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.
Inquiry timelines
A hard inquiry stays on your report for two years. It only affects your score for about one year, and only slightly. After that, it stops mattering.
Rate-shopping inquiries in a short window group as one event. That protects your score while you compare lenders.
Managing inquiries in Florida
A few mortgage inquiries will not derail your approval. The impact is small and fades fast. Focus on the bigger score factors instead.
We time your credit pull for the shopping window. Bring your plan and we will keep the impact minimal.