<prompt> Human: I am thinking about stepping up and purchasing our home. Currently my parents hold the mortgage and I pay it. We are both financially in positions where this was a comfortable decision. 2 years ago when we purchased I was at 599. Now Im at 748 and think its time come 2016. I received this offer from lending tree and was wondering if its worth it.  <response>: Yes, your credit gets pulled 5 times. FICO got you covered thought. Only the first pull has an impact, any subsequent pulls within 30 days for mortgage inquiries will not be counted. 