I was pre-approved with a mid-score of 610 for a $160k loan with a 7.25% interest rate for 100% financing, but the PMI was HIGH...almost $250 a month!! I've raised my score to 630 in a matter of weeks (by paying down a CC) and the PMI has gone down to $135 a month. Now I'm just trying to get my score up to hopefully lower the rate a bit.