FICO Scores

For your house:

Monthly payment: 30 Years  Interest rate: 4.769%  Loan amount: $100,000.00   $522.79 a month

Monthly payment: 30 Years  Interest rate: 6.358%  Loan amount: $100,000.00   $622.76 a month

For your car:

Monthly payment: 4Years Interest rate: 12.21%  Loan amount: $15,000.00  $396.56 per month

Monthly payment: 4Years Interest rate: 6.745%  Loan amount: $15,000.00  $357.46 per month

http://realestate.yahoo.com/promo/low-mortgage-rates-7-things-you-need-to-know-to-refinance.html

FICO 740:  While 720 is still considered by some to be a solid FICO score, it's not good enough to obtain the best rates in today's refinancing market, says Chris Freemott, president of All American Mortgage in Naperville, Ill. Instead, borrowers will need a FICO score of at least 740. "FICOs are everything," Freemott says. "[A FICO score of] 740 is the benchmark for the lowest possible rates." Borrowers that don't have this score can still refinance, but they're likely to face higher rates.