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Old 07-07-2009, 02:04 PM
 
33 posts, read 102,380 times
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People have said to "shop around" from one loan officer to the next to see if one can help me secure a loan vs. the other but wont all this checking my credit ruin lower my fico credit score substantially?

What should a first time homebuyer do to get pre-approved by a reputable person in NY?

thanks everyone
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Old 07-08-2009, 07:22 AM
 
701 posts, read 3,110,540 times
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Just go to a reputable bank. You can shop around for rates, without having your credit check, but you can't get a rate locked in, until you go through the whole process.

You can also just start with a site like lendingtree.com. You'll get contacted by a handful of lenders (without checking your credit), and you will start to get an idea of the available rates, and the upfront fees. (look carefully at the fees). You can also try bankrate.com.
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