What is a good mortgage rate for an above 720 fico score?

As Bert said above, It is dependant on much more factors than just credit score. What type of loan are you referring too? Conforming,high balance, jumbo...Loan purpose? Cash-out? Rate/term refinance? Purchase? FHA? VA? Conventional? HARP? EOM (Economic Opportunity Mortgage) 30 Year fixed? 15 year? ARM? Interest only? and on and on and on... DTI usually (debt to income) doesn't apply to rates... Loan to value % does however. If you get an escrow account or not counts against the rate as well. Please give me a call and I can give you a breakdown on what you would qualify for... 949-529-5521 Office 760-616-1882 Cell. Thank you.

Not enough info. Other factors that can increase or decrease the interest rate a consumer can get include loan size, debt-to-income ratio, loan-to-value ratio, property type, loan type, loan term and occupancy. Rates have increase significantly in the past 4 weeks so you would likely be looking at a note rate in the low to mid 4s at best and low to mid 5s at worst. APRs would vary dependent on these same factors. ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ Certified by the National Association of Mortgage Professionals and Licensed in California and Arizona ~ Licensed in California and Arizona ~ www.LoansA2z.com 888-889-9950

Bottomline, Mr. Goldfinger. Now is the time to make your decision to move forward. The time for phishing and shopping is over and it is time to act. At Unity West Lending in Newport Beach, Ca we can make you feel comfortable with that because we have a 5 Year Rate Protection Program which enables you to take advantage of a lower rate if they should come down after you close a loan with us, for no cost not even an appraisal. Many of our clients have already taken advantage of this great program up to 3-4 times within the last 4 years and it just insures that you are getting the lowest rate regardless if it is today, 6 months from now or even 1 to 5 years from now, you can take comfort of knowing if rates should come down you can take advantage of them while still locking in a low rate today, that is a WIN, WIN situation. Please take these benefits into consideration before making any decision.

Not enough info. Other factors that can increase or decrease the interest rate a consumer can get include loan size, debt-to-income ratio, loan-to-value ratio, property type, loan type, loan term and occupancy. Rates have increase significantly in the past 4 weeks so you would likely be looking at a note rate in the low to mid 4s at best and low to mid 5s at worst. APRs would vary dependent on these same factors. ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ Certified by the National Association of Mortgage Professionals and Licensed in California and Arizona ~ Licensed in California and Arizona ~ www.LoansA2z.com 888-889-9950

Yeah Deifintiely need more info such as is this an FHA, VA, USDA, Conventional, or harp loan. What is the loan amount, what county is it in, what are your ratios, is is a Primary, 2nd home, or an invesment property. Is is an Singel Family, duplex, triplex, Fourplex. what is the loan to value, etc, Anyone giving you a rate estimate with the info provided you definitely don't want to work with.

Truthfully - All rates today are good rates. Think about historical lows. Andrew

Credit score is just one question to your mortgage rate. There are at least 21-criteria that goes into a rate quote. Program, down payment, credit score, occupancy, etc. The next one, and probably the one least understood by consumers is the correlation between interest rate and closing costs. I can give you a super low rate, buy your closing costs will be high. I can give you low, or even no closing costs, but your rate will be much higher. The only way to properly answer that question is after providing a full application to a licensed professional, and then having a conversation over your wants, needs, goals, ability - combined with your long-term and short-term payment and equity objectives. In MN and WI, visit www.JoeMetzler.com

More information is needed to answer the question including what loan program you are looking at, your debt-to-income ratio, your down payment (or equity if refinancing) and more. We are also located in California - feel free to contact us directly at 858-605-0952 for a free, no obligation quote.

Act quickly. It appears that rates are on the way up, and will continue to do so.

Historically speaking - Rates are low no matter what your final note rate is that you lock in at. 3%, 4% - What does it really matter when you think about it? Do you remember goldfinger when rates were at 18%?

lots more info needed as others have said. When you will be closing is a factor too 30 days, 60 days, etc.

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There are many factors that go into determining a mortgage rate, your FICO score is just one of them. Of primary importance, is how much of the loan costs you are comfortable paying. It is conceivable to get an interest rate from 4% to 5% depending upon what you are willing to pay at the close. I would advise you to act fast, though, because interest rates have risen dramatically in the past 5 weeks, and there is no end in sight. Here's an example of just how much they have risen. I locked a 3.875% interest rate for a client on 5/16 for a $625,500 loan. Today, the very same loan at the very same cost from the very same lender would be at a 5.25% interest rate. Had my client not seized the moment on 5/16, and decided to lock an interest rate today, his loan would be costing him $440 more monthly. Consequently, if you are seriously considering buying or refinancing, I strongly advise you to do so sooner rather than later. There is no telling how high interest rates are going to go. They are still very low but just not as low as they were before. In this business, windows of opportunity open and close on a regular basis. The low interest rate window is rapidly closing. Give me a call 16/7, or email me your phone number so I can call you, and I'll be happy to walk you through the process. To learn more about me and our mortgage brokerage, click on my picture. When the next page pops up, click on "Website" and you will be redirected to ours. We work exclusively in CA and get loans done fast, typically in less than 30 days, at low interest rates and costs. Representing 40+ quality lenders that offer more than 1,000 loan programs, we definitely have something for everybody.