A commonly misused customer question we get. Mortgage rates are not set up as "one size fits all," they are risk based - some people pay more and some people pay less. That means without having your present day tri-bureau merged credit report right in front of us AND knowing what Loan-to-Value (means the appraised value of your home vs. the dollar amount of the proposed new loan, as a percentage) you may qualify for -  it is IMPOSSIBLE to give you a Rate Quote that's truthful.  Without that credit score "number", anything is simply a guess!