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📢 Soft Credit Checks vs. Hard Credit Checks: Myths, Facts & How They Impact Your Mortgage!

🚨 Worried about how credit checks affect your score? Should you avoid getting pre-approved because of a hard inquiry? Not all credit checks are the same! Knowing the difference between a soft credit check and a hard credit check can help you protect your score and get the best mortgage rates.

In this episode of Mortgage Matters in Minutes, Brent Rasmussen, owner of Mortgage Specialists, breaks down:
✅ What is a soft credit check? (Does it impact your score?)
✅ What is a hard credit check? (How much does it lower your score?)
✅ Why mortgage lenders can’t use soft credit pulls for loan approvals
✅ How credit scoring models allow multiple hard inquiries without penalty
✅ The biggest myths about credit inquiries & what actually affects your credit
✅ Why getting pre-approved early can help catch errors on your credit report

💡 Thinking about buying a home? Learn the truth about credit checks & pre-approvals so you can get the best loan with confidence!

📞 Need expert mortgage advice? Call 402-991-5153 or visit mtg-specialists.com for personalized home loan guidance.

💬 Have you ever been surprised by a credit check? Drop your questions in the comments!

👍 Like & Subscribe for more mortgage education & home loan tips from Mortgage Matters in Minutes!

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Timestamps for MMM 164: Soft Credit Checks vs Hard Credit Checks: What’s the Difference & How They Affect You!
0:00 - Intro
0:51 - Soft Credit Inquiries
2:38 - Hard Credit Inquiries
4:25 - Hard Credit Checks with a Low Credit Score
5:19 - Facts and Myths of Credit Checks
5:54 - Conclusion
6:52 - Outro

Mortgage Matters in Minutes Episode 164: Soft Credit Checks vs Hard Credit Checks: What’s the Difference & How They Affect You!

Licensing info: Brent Rasmussen, NMLS 5918 at Mortgage Specialists, LLC NMLS 2424
For licensing, go to www.nmlsconsumeraccess.org
Address: 8420 W Dodge Road #113, Omaha, NE 68114 Equal Housing Lender
Website: mtg-specialists.com

Applicant subject to credit and underwriting approval. Restrictions may apply, contact Mortgage Specialists, LLC for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. Mortgage Specialists, LLC does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Mortgage Specialists, LLC. Mortgage Specialists, LLC and its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Mortgage Specialists, LLC is a limited liability company organized under the laws of the State of Nebraska. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency.

MMM 164: Soft Credit Checks vs Hard Credit Checks: What’s the Difference & How They Affect You!