Yes,  Hard Money Bankers does pull credit, but it is usually not the primary factor in our lending decisions. Unlike traditional lenders, we focus more on the property’s value and equity than the borrower’s credit score. However, we may review credit reports to assess financial responsibility, past bankruptcies, or outstanding debts. A higher credit score can sometimes lead to better loan terms, lower interest rates, or reduced down payments, but even borrowers with low credit can still qualify and have a solid investment plan (have the ability to execute/perform on their project).