Discover the Advantages of Soft Credit Checks in Your Mortgage Journey
Navigating the mortgage process can be a daunting experience, especially when it concerns your credit score. At Worthington Lending, we understand the importance of maintaining a healthy credit profile. That’s why we utilize soft credit checks for initial loan approvals, ensuring a smoother and more client-friendly experience.
What Are Soft Credit Checks?
Soft credit checks are a way to review your credit score without impacting it. Unlike hard inquiries, which can slightly lower your credit score and stay on your credit report for two years, soft checks are invisible to creditors and do not affect your score. This approach is crucial during the early stages of your mortgage application.
Benefits of Soft Credit Checks
No Impact on Credit Score: Our soft credit check policy means that exploring your mortgage options with us won’t lower your credit score. This is especially beneficial if you’re in the early stages of house hunting or considering refinancing.
Freedom to Shop Around: With no inquiry marks from our checks, you have the freedom to shop for the best mortgage options without worrying about accumulating multiple hard inquiries that could impact your credit score.
Streamlined Approval Process: By using soft checks, we can quickly assess your eligibility for a loan, speeding up the pre-approval process and getting you one step closer to securing your dream home or refinancing your existing mortgage.
Why Choose Us?
At Worthington Lending, we’re committed to a client-first approach. Our use of soft credit checks reflects our dedication to protecting your financial health while providing top-notch mortgage services. Whether you’re buying a new home or refinancing, our process ensures that your credit score remains intact, giving you peace of mind and more control over your financial journey.
Choosing a mortgage company that utilizes soft credit checks can save you money, time, and protect your credit score. It’s a win-win situation – you get to explore your mortgage options freely and make well-informed decisions without the fear of impacting your credit. At Worthington Lending, we’re here to guide you through every step of your mortgage journey with your best interests at heart.
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