Does applying for a mortgage with Terry affect my credit score?

A mortgage pre-approval involves a hard credit inquiry, which can temporarily lower your score by 5–10 points. However, multiple mortgage credit inquiries made within a 14–45 day window (depending on the scoring model) are typically treated as a single inquiry — meaning you can shop multiple lenders without stacking negative impacts. Checking your own credit (soft pull) doesn't affect your score at all. If your score is a concern before applying, a quick call can outline the fastest path to improving it before the hard pull.