What rate (30 year fix) can I get right now with a 696 Equifax and 691 TransUnion FICO score?

Even though credit plays a huge part in qualifing for a particular loan product and interest rate there are several other factors that come into play. Specifically, your debt to income ratio, length of employment, no tax liens or judgements, no BK's with in the last 2 years, no forelcosures with in the last 3 years, loan to value etc... As you can see it is not just a simple answer as the internet would have you believe. The best market rates for a 30 year loan with your credit score pending everything else falls into line- you would be looking at a rate of 4.375% to 4.5% with no points.

You should seek an actual quote from a licensed California loan officer. Anyone quoting you rates here, especially without an APR is violating the law.

Your question is impossible to answer here because no one has anywhere close to the information they need to make an accurate quote. The Truth About Interest Rates? While you see interest rates online, or in printed material such as newspapers, you must understand all lenders have the same basic interest rates and hard costs. No one lender is able to be significantly better than anyone else. It is all about the advertising, and the rate and costs combinations. It is our belief that posting rates is basically unfair to the average customer. Rates listed anywhere are a basic indication of where the market is at, as opposed to what you may actually receive, because: 1) Quoting rates without understanding the customers exact situation, or having a full application is VERY misleading. Many things effect your actual rate. Loan-to-value, credit scores, state the property is in, closing costs, and much more. 2) We are in a world economy and interest rate fluctuations occur around the clock. Interest rates are changing ever second of the day and unless you communicate with a loan officer and get information at that moment in time, you could be making a poor decision. Most lenders, as well as us, change their pricing throughout the day. It is near impossible to always keep a web site 100% current and printed rate quotes are hopelessly outdated the second they appear. 3) Quoting interest rates when you can't lock (after hours), or when you haven't filled out a full application, therefore not being in an actual position TO lock, is not in your best interest. 4) If you are buying, and do not have a house picked out, many lenders knowing quote low to get your business and stop you from shopping because then do not have to honor what they quote today! 5) Most automated online rates quote systems simply show "best case" without any realistic knowledge of your real situation. www.MnBestRates.com

Hello, There is more information that would be needed to give you an accurate number, such as your state, loan amount, purchase, refi, income, etc. But for reference a 30 year loan on a conforming loan amount of 417k or less, with fico of 660+ is in the ballpark of the 4.5% range. If you have higher loan amount or are using FHA financing, or a jumbo loan, rates will vary. Rates are extremely low, so take advantage by contacting a loan officer in your area to see what you actually qualify for. Good luck