What's the best way to shop around for mortgage rates from lenders without damaging my credit?

Don't apply for a mortgage until you a ready to work with a Trusted Mortgage Professional who can offer all the loan programs and products that you are interested in. This Trust is established from having detailed conversations and communications about your goals and objectives and is much more involved than shopping for the best interest rate. Professional Advice from a Trusted Mortgage Professional is usually worth much more in the long run than some potential short term savings from a slightly lower interest rate! I'm happy to help you directly if you'd like! Good luck!

Know your credit score your ltv and type of loan as well as the loan amount. Ask 2 questions:1. what is your rate2. at that rate, what are your lender closing costs, the 800 line items on the HUD.David Kosmecki 763-519-1100

It would be nice if you know what your credit score is and if not you can go sites like credit karma.com which is free to get your credit score.Just call lenders or use their on line pricing engine but make sure that they do not pull credit until you are ready to go with the lender of your choice but until you choose, you can get a quote based on the credit score that you provide and that your true rate will be off what your accurate credit score.

You really only need to look at about three places to have effectively "shopped". Sit down with a local non-bank licensed lender to discuss your options. Avoid banks. Then finally, all mortgage lender pulled credit reports done within a 14 day period only count as one, so don't sweat inquiries on your credit report. I'm in St Paul, and a top rated nationwide Loan Officer. Visit my web sit at www.MortgagesUnlimited.biz