If your mortgage company, loan officer or bank tries to pull your credit before asking you about your credit, about your assets or cash saved, about your income and about your expenses, RUN. You want to protect your credit as much as possible, and if your bank or lender do not protect it, you should not work with them. All lenders should ask you about your Credit, Assets, Income and Expenses. This will tell you what you should qualify for and whether or not you should move forward in pulling your credit.

Hey everyone, wishing the best of luck on your home buying journey for your family or client. I would love to learn more information on the process of getting approved for a government backed loan such as FHA and USDA loan. Pros/Cons, interest rate range, how does the seller look at this kind of offer, processing length, worth it? etc. Any information would be great!