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Ridgeway Home Team
Home
Meet the Team
Loan Options
Resources
Contact
Apply Now
Shop
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Welcome to Credit Resources

 Wondering what the difference is between a hard and soft credit inquiry? We have you covered! A soft credit pull is usually used as a preemptive review of your credit history. While it doesn't check all the requirements for what you'll need to get approved for a mortgage, it helps give a general idea of how much you can afford and what your mortgage payments might look like. 


Benefits:

  • No impact to your credit score
  • Doesn't trigger leads to solicitors 
  • Could help pre-qualify you without a formal loan application*


Reach out to learn more!

How do I Review my credit report

Find out more

HELPFUL LINKS

Play IconAnnualcreditreport.com

Play IconCommon Credit Report & Score Issues

Play IconConsumer Financial Protection Bureau (CFPB)

Play IconCredit Report & Credit Score Topics

Play IconDo Not Call Registry (DNC)

Play IconFAQs – Credit Basics

Play IconFederal Trade Commission (FTC)

Play IconGuide – Credit How-Tos

Play IconGuide – Rebuild Your Credit

Play IconGuide – Understand Your Credit Score

Play IconIdentityTheft.gov

Play IconKey Terms: Credit Reports & Scores

Play IconHelpWithMyBank.gov

Play IconOpt Out Prescreen

Play IconReport ECOA Violations

Play IconReport Fair Housing Violations

Play IconState Attorney Generals

Free Annual Credit Reports

Whether you’re looking to buy, build or refinance your home, our experienced mortgage professionals are here to help.

More About Free Credit Reports 

Your credit report affects your ability to get a loan or job and could help you avoid identity theft.


  • Apply Now
  • Privacy Policy
  • Terms and Conditions

Ridgeway Team

509.539.1039 | scott@ridgewayteam.com


Scott Ridgeway

 Branch Manager / Loan Officer

YOUR MORTGAGE PROFESSIONAL

for Buying, Building, & Refinancing

Licensed in WA, OR, ID, CA

NMLS #50685

Local in Richland, WA

Direct:  509.539.1039 


powered by:

Cornerstone First Mortgage, LLC

NMLS #173855

  

Main Office Support - Melissa Engle

5306 Pacific Hwy East, Suite B

Fife, WA 98424

Phone:  253.344.7996 



 © 2026 Cornerstone First Mortgage, LLC supports Equal Housing Opportunity. NMLS ID# 173855. This is informational only and is not an offer of credit or commitment to lend. Interest rates, products, and loan terms are subject to change without notice and may not be available at the time of loan application or loan lock-in. Contact Cornerstone First Mortgage, LLC to learn more about your eligibility for its mortgage products. Loans are subject to buyer, builder, and property qualification. Cash reserves may be required. Cornerstone First Mortgage, LLC is not acting on behalf of or at the direction of HUD/FHA or the Federal Government. (www.nmlsconsumeraccess.org) 


 


   

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