Originally Posted by Elmatador

Basically, I spoke with a mortgage loan officer a personally know, and it's about the whole picture. So what if you have a lot of HPs.
a) Credit score - 740 and up
b) Credit history - solid years
C) Amount of debt...( No...auto loan, credit card balances, student loans)
d) Down payment - 20%
e) income - good
f) emergency fund - 3-6 months of cash reserves.

that's the whole picture, not just recent hard pulls...