<prompt> Human: We are about to start shopping for a house, and are also thinking of refinancing our auto loans to get better interest rates since our credit has improved significantly 100 points from high 600s to 780 since we took them out. Could we do these refinances during the same period we shop for mortgage rates, since the hard pulls on our credit if done all within a couple days wont hurt our scores so bad? Or are we better off refinancing after we close on a house? I know lenders wont want us to do anything with our credit after theyve issued the preapproval letter.  <response>: Dont touch your credit right before being approved for a house loan or until you finish closing. Any changes can piss of your loan officer. 