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MNGophers29MNGophers29
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@rowshkex wrote:

At what point is your credit good enough to get a good rate? Or are rates proportionally better with better credit all the way to the “best” score?

Here is a good article that explains it:
http://www.bankrate.com/finance/mortgages/how-credit-scores-impact-your-mortgage-rate-1.aspx

As for FHA, your credit score determines your payment. 580 and above, your payment is 3.5% of the loan. 500-579 and you are looking at a 10% payment….basically saying they don’t want you to have a mortgage.