7 Days Left to Lock in a 680 Credit Score Rate if Yours Credit Score is 679 or lower

This is assuming you are a-paper (prime) but have a credit score under 680.  Some lenders may still offer this pricing...and I will seek them out.  However, many have all ready started risk pricing mortgage rates for conforming loans if your score is 679 or lower and if you're putting less than 30% down.   

A lender I work a lot with, Flagstar Bank, is sticking with the current pricing (not credit score sensitive) until the end of the year.   I am constantly receiving memos from various lenders stating their not waiting for Fannie Mae and Freddie Mac's date of March 1, 2008.

I recommend that all consumers learn what their credit score is from their mortgage professional (the score is formulated different than what you obtain from the free credit report or from others who run your credit, such as insurance or auto dealers).

As more lenders opt for this type of pricing for conforming loans, others will follow.