You need an 850 FICO score.
Just kidding.
Lenders are all over the board. I talked to a bank last week and they said 620 for the best rate (no points). Yes, no kidding. Others say 680. I haven't heard anyone say 720 for the best rate.
But, I think alot of it depends on where you live, because some markets have taken a very bad beating, so some lenders may be shy about lending in certain geographical areas. But I don't think that there is one straight answer out there to give. It varies.
Sorry I can't be of more help. And sorry about the heart attack (850 score comment).