MEETING WITH A LENDER SCHEDULED - CREDIT PULL QUERIES

[Nilofer Sickander]

Hi BP, questions abt credit pull, but first some background

 My husband and I are stuck in a lease until end of year, we cant purchase a house that we intend to "house hack" for maybe another 6 months.  That said,  i have a meeting scheduled with a bank lender to go over options we have, financing wise. Since we are not intending to buy for another 6 months or so, would it be best to not have the lender do a hard pull now? 

Also, is it true that if a multiple parties/lenders/bank do a hard pull over period 30 days, it will only show as 1 hard pull?

Thank you for taking the time to respond

[Russell Brazil]

If your credit is in a situation where pulling your credit makes a real difference, then you shouldnt be buying a house. A credit pull affects it to the tune of about 2 points