what is the good rate for excellent credit score and 20% down?

Rates for perfect borrower are still in the 4%-4.125% range. Give me a call I would be happy to give you a detailed rate. Thanks, Chris. 714-367-5125 ext 2251 or social@valleyviewhomeloans.com

Without knowing all the details, its impossible to know.. Loan amount, property type, credit scores, credit deficiencies, income, type of income, etc.. No loan officer with any integrity would ever quote a rate based on the limited info you provided.. in fact it's illegal to quote a rate without quoting an APR with it.. Any loan officer who does is probably someone you wouldn't want to use... Do yourself a favor.. take 15 minutes and contact a LOCAL mortgage broker and apply with them. Once they see your complete loan profile/scenario, they can give you exact numbers with no guessing.. By applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with numerous lenders, seeking out the best loan terms for your particular scenario. Because he has lower overhead, he can offer you lower rates and lower fees than most of the larger lenders.. 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. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

There are other factors that make up a true rate quote. You will find tons of stuff online, but if you want actual pricing you need to speak with a loan officer and get choices based on your specific scenario. Best wishes, Sean

There are at least 21 different criteria that goes into an interest rate quote. Credit score is one, down payment size is another. The ONLY legitimate way to answer that question is to provide a lender a full application, then discuss your wants, needs, and goals with a loan officer. Others include type of loan program, loan size, state, how much do you want to pay in closing costs, etc. Anyone just shooting your a rate, or anything you see online is just designed to capture your attention versus realistic for most people.