How long do mortgage inquiries stay on my credit?

Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker

Hard inquiries stay on your report for two years but only affect your score for about twelve months, and the impact is minor. Rate-shopping inquiries inside the shopping window count as one.

There's no need to fear a single mortgage pull. We time the credit check so it has minimal effect and your shopping is grouped.