<prompt> Human: My wife and I both have credit scores 750 and a 20 down payment. Not a lot of extra cash after that to buy down the rate. How can we make sure we get the best rate possible?  <response>: 740 will get you the best rate, as confirmed by multiple CUs and Banks that I shopped around at when I bought a house two months ago. With your score, youll likely get a 4.7537; rate if you went in today. Back in March when I locked in, it was 4.537;. Rates are still at historic lows, so dont worry too much. 