Originally Posted by
Force
I would exercise extra caution if one needs a mortgage, either buying or re-financing, in the near term. Just recently, I knew that someone with 740 FICO couldn't get a rate while another with 775 got it.
The top tier rate threshold seems to be around 750-760 depending on lender. So it makes sense 740 does not get the same rate tas 775. A 759 might not get the same rate as 761, so if you lie on that border, it makes sense. However it seems if you have 761 or 810, it doesnt make much difference to the lender.