Will you re-pull credit after application?

Yes, sort of.  The mortgage world does a “soft pull” on all loans prior to closing.  A soft pull checks to see if any new credit has occurred after application or if existing credit increased like credit card balances or payments.  So it is very important to NOT inquire for new credit or run up your credit card balances during the loan process.

A soft pull does not re-pull credit scores and does not count as a inquiry on your credit.