I spoke with many mortgage brokers and the answer is always different. Some insist that in practice I take the letter of pre-qualification to find my house, then get back to them if I know what I want to buy. All without running my credit card!

Others are used to do anything without my permission and SSN, lead to my credit.

once and for all that I want an answer. Are they or are they not need to make an inquiry on my credit report only to me for a quote and a letter of pre-qualification?

A pre-qualification (letter) contains various information, including credit ratings and your social security number. The social security number, a credit report. This is a requirement, because a provision of credit score, before an investigation of the information that one of the factors necessary to produce an absolute right of pre-qualification needs.

They can be given a letter of prequalification, without all the examined standard information, but the letter must specify that the broker has taken some information from the borrower and made a preliminary determination, but no longer checked.

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