are lenders going to pull my credit or do i need to provide credit reports myself?

If you are looking for a residential loan, whoever you make a full application with and provide them with your social security number, they will have the ability to pull your credit, so limit who you give your information to by looking to work for a trusted mortgage professional.

If you have a rough estimate of your current credit score, you can use that to shop around and compare lenders. You do not have to have your credit pulled until after you commit to a lender.

Ask the first lender if they will be willing to give you a copy of your credit report, including the FICO scores. With the middle credit score, you can then shop rates; the final lender you select will run their own credit report.

Depending on the lenders. If you are window shopping some will give you quick market rate and fee quote with out a credit report but if you are looking for serious numbers you will want to have a mortgage company pulled credit report. As long as you are shopping in a quick time frame your scores should not be affected by multiple mortgage company's pulling your report after the first pull has happened

Each lender will pull your credit. Under fair credit rules, you initial credit pull will affect your score, but all subsequent credit pulls within the next 30 days will not affect your score.. If you have a high score, then the credit inquiry will have very little impact on your score.. I usually advise clients to shop for a loan officer, not necessary the best rate or term.. if you are dealing with someone who you feel comfortable with, then you will have confidence he will get you the best deal possible... because pricing a loan can be done a hundred different ways, it's very difficult to just compare one item.. for example, one lender might offer you 4% but require you to pay 4 points, while the other lender might offer you 4.25% but no points.. it's very difficult to do apples to apples comparison without knowing exactly what your goals are, and a competent loan officer can put together several loan scenarios for comparison so you can see the examples side by side, giving you the most information to make an educated decision.. But I would suggest you interview loan officers, look at any reviews they have, and see how their company rates.. rather than shopping for the best rate.. As Zig Zigler used to say.. Price and Cost are two totally different things.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com