1st thing: make sure you AND your spouse both have scores above 740. If you are above but your spouse is below, you will not get the best rate/points offer. Keep in mind home loan scores are different than credit cards, so try to make sure you are well above 740 on the FAKO scores.

I never stopped churning and got my 1st mortgage 2 months ago. My loan officer asked me to explain all of the new credit card accounts on my report. I said I was planning a big vacation and signed up for all of the cards for the sign up bonuses. That was the end of it.