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  • What if I'd like to get the home withing 6 months to a year?
    – trusktr
    Commented Feb 15, 2019 at 21:43
  • 1
    @trusktr Then it may have more of an impact. The rate you pay (or even whether you get approved) will depend on your credit history. Your question doesn't really get into whether what's discussed here is your entire credit history, or if this rate-shopping and new loan is just the latest in a long history, so it's difficult to quantify how much effect it will have.
    – yoozer8
    Commented Feb 15, 2019 at 21:47