Can I get a the best possible mortgage rate with a credit score of 737?

Most loan programs now are credit score driven. what that means is that the higher the score, the better you will be able to do as far and the pricing hits. Besides your score, there are a lot of other factors that lenders adjust the pricing. For example, type of loan, loan to value, loan purpose. With your score, it will help you to get the lowest rate available. If you would like to know what is available for you, please feel free to call me at 888-720-9095 or email me at mbosworth@emeryfs.com. This way we can discuss where you are now and what you would like to do and i can make some recommendations. I look forward to hearing from you!Michael Bosworth

There is a break at 740. It is pretty easy to get your credit score up. Call me and I can advise you on how to get it up a few points and keep it up.Jeff Phillips415-867-6488jeff@hpinvestmentsinc.com

Maybe. you would have a better chance if you could get your Middle score above a 740.

It really depends on the type of mortgage you are looking to get and the loan to value of the property you are financing. You could have a great score and a high loan to value and somebody with a bit of a lower score with an extremely LTV could get a better interest rate.

The cut off for the best rates are normally at the 740 mark however you can get the same rate at the 720 mark. This is mainly based on the program you chose. So if you're looking at a fixed rate program we can give you the same rate as if you had a 740 and above. We do not hit the rate until you fall under 720. Please let me know if you would like to discuss in further detail. I can be reached at 619-886-3294 or dan@omnifund.net Thanks for the great question. Dan Conley- Director of Sales

Depends on the loan program. For example, on an FHA Loan or a VA loan... That score gets you the best of the best. On a Fannie Mae or Freddie Mac loan, you need a 740 or higher score to be in the best of the best.

740 is the benchmark, however the difference in pricing is so negligible that you wouldn't even notice.. if you wait 30-45 days to improve your score but the market goes up, and rates follow, your payment would be substantially higher than just refinancing now with the slightly lower score.. my recommendation.. don't hesitate, get your mortgage now.. .. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

you are close to the best rate/pricing for a mortgage, your score varies from day to day and month to month depending on the most recently reported information on your credit report. Credit card balances (owing more than 30% of the limit on the card, or over 50%) and new(er) accounts/loans (less than 2 years old) typically are the reason for a score not being higher.

you need to get your credit score above 740

Yes, your mid-score is 737 (high is 748 and low is 722). If you have a recent tri-merge credit report that you can send me I can tell you what to do to get your mid score up. If you do not, call me @ 415-867-6488Jeff Phillips415-867-6488jeff@hpinvestmentsinc.com

If want some inside secrets on how to improve your credit score get my free ebook on "Getting Your Credit Ready To Buy A Home" at http://www.newhomemortgagemn.com/getting-your-credit-ready-to-buy-a-home/

As mentioned above, typically the easiest way to increase your score is to pay down credit card (or "line of credit") debt so that all balances are less than 30% of the limit on the card. If that isn't possible, at least make sure they are less than 50%. With your generally very good credit it is unlikely that any other steps will make a difference. Be careful about other recommendations, not everyone knows what they are talking about or has access to analysis tool to make solid recommendations. Otherwise, don't sweat it. 737 will get you close to the best rate