We are looking into mortgage refinancing and I am wondering how you find the best rate for your mortgage? When we first got our house we called a few people and they checked our credit report and told us the rate they could offer us, but then one of them told me that every time someone checked your credit report it dinged you and could lower your credit rating. Is there a way to compare rates (and get the real rates they would offer you and not just the teaser rates) without having a ton of lenders check your credit report?

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