What is a typical effect of hard credit inquiries on mortgage underwriting timing and rate offers?

What is a typical effect of hard credit inquiries on mortgage underwriting timing and rate offers?

• A. Hard inquiries can temporarily lower your credit score and may require additional documentation; multiple inquiries within a short window may be treated as a single inquiry by some scoring models.
• B. Hard inquiries permanently disqualify you from mortgage offers.
• C. Inquiries have no impact on credit scores or underwriting.
• D. Only soft inquiries affect mortgage underwriting timing.

Answer: (A)