The longer you wait for the "perfect" score the higher the rates will go. It's six of one and hal a dozen of another. Once you're in then you can play the interest rate game. Not to mention, you will be helping your credit score by paying your loan on time. (I believe that most people are responsible.) Go to a lender and you may be pleasantly surprised. Steve Tessler at Raveis Mortgage: 860-471-8264 or Greg Ward at Ward Kilduff Mortgage: 860-658-7100. If you need an agent, feel free to contact me: 860-481-9728.