Mortgage Company ( recommended by our builder ) has now made XXXX hard inquiries on my wife 's and my credit report. We were under the impression that by signing the paper for them to pull credit, this would be done XXXX. The mortgage company is now trying to dictate the closing date to us even though the house is nowhere near completion. They are once again requesting excessive paperwork for the loan ( that has been provided now XXXX in the past ). I would only assume that since completion of the project is still almost 3 months out, they will again pull a hard inquiry on both of our credit reports ( lowering the score and we are both in the mid to upper XXXX ) causing the interest rate on the final mortgage to be higher for the next 30 years. 
