When a hard pull is levied against your credit report, it will usually cost your credit score a few points. One exception is when you are shopping around for a mortgage or an interest rate. In those cases, the credit bureaus will count all of the inquiries made within a 30 day block o...
But the fact that mortgage rates were lower last year makes it less likely today's borrowers would want to refinance this year. About 68 percent of tappable equity belongs to borrowers with mortgage rates below today's levels. The vast majority of these borrowers, more than three-quarters,...