In a perfect world, perhaps this is true, but in the realm of home mortgage refinancing, what is best is usually based on length. Let me explain. The majority of home mortgages are given at terms of either 15 or 30 years We had programs where you could have up to one 90 day late and still get a home loan. Well here we now need a 740 credit score and 60% loan to value in a property not to get charged additional fees for a home mortgage Homr Mortgagr bankbank.com Thr Best Length og Homr Mortgagr Loan Home