I'm thinking of refinancing my mortgage. I called my current lender, and was given a quote for a refinance with a lower interest rate, and $1200 in closing costs. Now I'm trying to shop around for other offers. I called Quicken Loans, and they didn't want to even give me any quotes that included closing costs without running a credit check.
I realized once I apply for a loan from a company, they should run a check on me, of course. But to even inquire about loans to decide where to apply? Is this right?
I'm concerned that these credit checks, if I agreed, will ding my credit score, and undermine what I can eventually get.