In practice, most lenders' best rate tier begins at 740-760, so an 800+ score does not typically unlock rates beyond what a 760 borrower receives. However, your 800+ score provides maximum negotiating power, the smoothest possible approval process, and access to exclusive portfolio loan products that some lenders reserve for their highest-credit borrowers. It also provides a buffer — even if your score dips slightly during the process, you remain in the top tier.

Some lenders offer exclusive perks for top-tier borrowers: reduced or waived origination fees, portfolio loan options with unique terms (interest-only periods, flexible ARMs), relaxed documentation requirements, expedited processing, reduced reserve requirements, and the ability to close on multiple properties simultaneously. NMHL can connect you with lenders who offer these premium benefits.

Only about 21% of Americans have a FICO score of 800 or above, making you part of an elite group of borrowers. This achievement reflects years of disciplined financial management, timely payments, responsible credit utilization, and a long credit history. Lenders view you as virtually zero-risk, which is why you receive the absolute best terms available in the mortgage market.

Your exceptional credit is a powerful wealth-building tool. Consider: (1) Purchasing investment properties at the lowest rates to maximize cash flow. (2) Using cash-out refinancing at premium rates to fund additional investments. (3) Taking advantage of jumbo loan access for higher-value properties. (4) Building a real estate portfolio with DSCR loans. (5) Negotiating the best terms on any financing to minimize interest costs. An NMHL wealth strategy advisor can help you develop a plan.