I'm in the real estate business. First off, applying for a mortgage will hit your credit, but isn't considered negative unless you can't quality. Ask around for a good lender in your area and call them. Any lender worth his weight can discuss loan options WITHOUT running your credit. If you don't know your score, use a service like Credit karma to get your scores. That way you can give the lender an idea if where you are. If it makes sense financially, do it.