what kind of rate would i get on a jumbo loan with a 736 fico?

This is not enough information to give you any rate quotes. There are several other factors which would help determine the possible rate: loan-to-value ratio, loan size, type of loan (fixed rate, 5 or 7 year ARM, etc), whether or not you escrow taxes to name several. Feel free to reach out to me directly with some particulars and I'll be happy to give you an idea of what to expect rate-wise.

"What's my rate" is asked everyday. But there are at least 21 different criteria that goes into making a rate quote - only one of which is your credit score. Contact a local mortgage broker in your area, give them a full application, and they can show you what rate and cost options you have available.

No loan officer with any integrity would ever quote someone with the limited info you provided.. Understand it takes so much more than a credit score to obtain financing, that without knowing all the details it's impossible for anyone to say.. Credit score, credit deficiencies, credit depth, current debt, debt to income rations, sale amount, loan to value, etc, I could go on and on... The best advice I can give you is to contact a LOCAL mortgage broker and apply with them. Once he see's your complete loan profile, he would be better equipped to give you a solid written offer. 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

You are almost to the highest credit scoring level (>740 is usually the top tier for pricing adjustments to rates), so assuming you can maintain that level or better, you will be in a good position to have the best rates offered, but as noted by others, there are many other criteria you must meet, so rate is just one of those elements to be concerned with. Good Luck!

More info Buddy...

Feel free to contact me at 312-256-4065. I am here locally in Chicago and after a short conversation I can get you a more precise answer. I am available this weekend if you need the answer prior to Monday. Thank you, Justin Murray.

You can find some websites online that give scientifically measured rate averages for the day - for example, today's average 30 year jumbo rate is about 4% according to one leading site. BUT, as every lender here has correctly stated, there's no way to know your exact rate without having a full picture of your situation - your loan to value, your credit score and history, the type of loan you want, etc. Rates seen on line typically are for the borrower with the perfect criteria. As also noted by one of the lenders here, you get best rates with a fico of 740 or higher. Since you are so close with a 736, you might take a close look at your credit report and see if there are any easy techniques to raise your score 4 points before you apply for a loan. (For example, if you are above 40% of the credit limit on a charge card, say you have $500 charged on a card with a $1000 limit, you'll find that paying down that card to below $400 - and staying below that level - could raise your score a few points in a month or two.