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I agree for the reasons to wait, but I do have to disagree with this:

To answer your question, you get "it depends." it depends on the kind of check to your credit that is done to get the pre-approval. Not all pre-approvals are an APPROVAL, but a light check to confirm that you meet basic requirements. Also remember that when you do the house buying process in earnest, all checks to your credit related to looking at buying a house count as one, assuming it ends with you making a purchase.

My understanding is that anytime a credit check is initiated by the consumer (short of checking their own credit report) it is a hard inquiry.

Pre-approved offers that come in the mail are soft inquiries and do not lower FICO.

I work in credit cards, not mortgages, so maybe they are different and can post soft inquires, but I would doubt it based on my knowledge of FCRA.
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