FICO scores range between 300 and 850, so you are in the top 1/2, but probably possibly not tier 1 with many lenders. As to the chart posted above, each lender will have their own criteria for borrowing and rate spreads. When I was car shopping, each dealer had charts that were different - one for instance was 740+ was a certain rate, 700-739 . .etc, while another was simply "anything over 700 . . ."
As to mortgage rates, they are even more complex as they are calculated on factors such as: credit score, loan to value, length of term, rate buy down points, buying versus refi, amount of the loan - you would have to run your exact scenario over with a reputable mortgage company to get the best idea of what rate is available to you.
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I don't know the exact rate but it should be very good. A FICO of 680 is well above the average.
Should be around 6% for 30 fixed rate. Depends on where you are in the country.
FICO scores range between 300 and 850, so you are in the top 1/2, but probably possibly not tier 1 with many lenders. As to the chart posted above, each lender will have their own criteria for borrowing and rate spreads. When I was car shopping, each dealer had charts that were different - one for instance was 740+ was a certain rate, 700-739 . .etc, while another was simply "anything over 700 . . ."
As to mortgage rates, they are even more complex as they are calculated on factors such as: credit score, loan to value, length of term, rate buy down points, buying versus refi, amount of the loan - you would have to run your exact scenario over with a reputable mortgage company to get the best idea of what rate is available to you.
Beacon Score Interest Rate
720+ The best rate
700-719 +0.20%
675-699 +0.65%
620-674 +1.70%
560-619 +2.50%
500-559 +3.50%