query: do FHA lenders pull a second credit report before closing

Possibly.

Actually, any lender, conventional, FHA, or VA, who has a gut red flag rising, will re-verify whatever is bothering them before closing. This means that an underwriter who suspects foul play has a right to take precautions. They may run another credit report, re-verify employment, have another appraisal done, whatever red flag is nagging at their gut, they have a right to check out.

So, the word is, if you are up to no good, they may catch you.