Thanks for finishing your loan application!

Choose Your Credit Option

Now we need to check your credit so we can give you the best next steps.
1

Full Credit Report (Hard Pull)


Best for: Buyers ready to get their pre-approval and make offers.

• Shows your full credit picture
• Lets us check the best loan options
• Gives the most exact numbers

Cost:
Individual: $125
Joint: $125

**A hard pull may change your score a little. This is normal.

Order Credit Report 
2

Soft Credit Check (No Score Impact)

Best for: Buyers planning ahead who are not ready to commit yet.

• Does NOT change your score
• Helps us see where you stand
• Good if you’re still preparing or not buying soon

Cost:
• Individual: $80
• Joint: $160

Note: You will still need a full credit report later to finish your pre-approval.

Order Credit Report 
3

Free Credit Options



Best for: Starting the process with no cost, if you are okay getting an early look instead of final answers.

We have free ways to begin reviewing credit.
These can be soft or hard depending on your situation.

• No money to start

• Helps early planning

• Very limited options




Note: A paid credit report might still be needed later to finish approval.


How Mortgage Credit Works

When we check your credit, we get three scores (one from each bureau).
We use the middle one — the mid-score — to help make your loan plan.

If two people apply, we use the lower mid-score.


What Happens Next


  1. You choose an option and complete the checkout (if needed).
  2. We check your credit.
  3. We run underwriting as allowed by your option.
  4. We send you your next steps.

Have questions? We have answers.

Need Help Choosing?

• Want the most accurate numbers? → Full Credit Report
• Planning ahead, credit support or want to protect your score? → Soft Credit Check
• Want to start with no cost? → Free Credit Options

If you have questions, call or text your loan officer or 843-900-7212

Contact Us