I would be thrilled if my husband and I had perfect credit scores, but alas, due to miscommunications with the hospital and some issues with pre-scheduled payments while out of the country, our credit is only "good." Because of this, it's likely that once our credit becomes excellent we will get a new mortgage to refinance our home at a better interest rate.
While house shopping we looked at a lot of different mortgage quotes and interest rates and calculated our potential monthly payments a thousand times. http://www.perfectscoremortgages.com/ is a nice little site with a little tool that lets you request interest quotes for your area. It also has a basic mortgage payment calculator that is easy to use. Sites like this can be very useful, whether your have perfect credit, or just good credit.
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