What is hard penalty for mortgage?
Hard inquiry is triggered when you apply for a credit card or a loan. Too many hard inquires within a span of 45 days won't hurt your FICO score. There will be a hard inquiry when you apply for mortgage.
Paying back mortgage do not trigger a hard inquiry. It'll only counted when you apply for a auto loan, mortgage, or credit cards. Each of these types of credit checks count as a single credit inquiry.