Originally Posted by
Majikow
I was reading into it today on a few different sites (Bankrate, a couple finance sites, etc), and they were basically saying that once you get to 760, you're probably not going to get a better rate for being at 790 or 810. That makes sense in a way, but if anyone has experienced otherwise, I'd love to hear any datapoints.
Talk to your mortgage broker. They can tell you the qualifications for rock bottom rates. Also, remember, it's not just credit score any more. Mortgage lenders focus on # of applications, # of cards, recency, length of history and other such things.
Also worth running what a 0.1% drop in rate does for you over 5, 10 and 15 years. Generally a lot more than a cash purchase of a couple of F RTW tix !