[BungeeII]

There is a magic number there. I hit 840 on a score before, but am now in the sevens.

They want to see:
Secured accounts; (home, car)
Reasonable limits unsecured accounts (credit cards)
Activity on the unsecured accounts, but with low balances (i.e. paid off every month)

Getting too high of a limit on credit cards or lines, even if unused, will cause your score to suffer.

To get things back on topic here....
I just spoke with a local bank that was writing mortgages at 4.5% earlier this week, but are now at 4.75%. I'm giving mine a go again with bank, with the hope that different appraiser will have more favorable comps to pull. Worst case scenario is that I have 2 appraisals to submit to the township for a reduction of my "taxable value".