what's the ideal fico for going jumbo?

How much do you owe? Is this your first mortgage or a second mortgage? What is the value of your home?Your zip code?Answer these questions and you will get your answer from any licensed loan officer :) Hope this helps.

Ideal is 760 but depending on your complete scenario it may not matter.

There are two major things that influence pricing: credit score and loan to value (LTV). It really depends on the lender you chose to go with. I have one lender that considers anything 740, and one that sets the standard of excellence at +760. It depends on how conservative they are. Either way, the more downpayment you have, the better pricing you will get, and you should have at least 25% (depending on occupancy type, more might be required). The price "hit" between a credit score of 720 and a 740 can be really small, something like 0.25% of the loan amount. Depending on the loan amount, another lender that I have doesn't really differentiate, as long as the loan is over $1,500,000, and the credit score is at least a 720.You best bet is to talk to your loan officer of choice, and ask him/her about the "price adjustments". Then you'll know exactly what and how it will impact you.In the meantime, if you want to raise your score, the easiest choice would be to pay down the balance you carry (never let it get too close to the limits, and don't pay it off completely - leave a very small balance to show usage). Also, if you have a lot of available credit, you could close your small limit credit cards (but not the oldest one you have) - having access to too much credit makes you riskier.Good luck with your loan :)

"Ideal" would be 800+, but you should be just fine with 720. Depending on the other factors involved, your score may not change things much. The less you put down, the more your score matters and vice versa.