What interest rate can I expect on a mortgage loan with my credit scores?

Today I have 564 588 654...I am hoping to have my mid-score up 10 pts by tomorrow, and then i am applying for the loan with the bank. I want a fixed rate, 100% financing, 30 yr loan for $160,000. My income and debt ratios are good. I am closing on the Aug 6th. I have already had the house appraised at $162K, I am paying over $5K in closing costs, and the house has been inspected. This is my first home purchase, is there anything I am missing?

Unfortunately I think you may have done the home purcahse backwards. You should have been approved for a mortgage before you went into contract. I think is is goinng to be tough to get approved for a loan and if you can the rates are going to be pretty bad. It looks like you have a week to close. I think the only shot you have at a decent rate is for an FHA loan which requires 3% down. Many lenders will not do 100% financing with scores less then 600 now, except for FHA and a few other programs. You may want to talk with a broker as well, I do not think whoever you use for your loan can use your appraisal, they will more then likely need one in their name unless the appraiser will switch the name on the report.

With your credit score you are going to pay a pretty high rate probably in the 8 to 8.5% area. However if you continue you work on getting your score up say in the mid 700's you might want to consider refinancing in a couple of years to drop your interest rate.

Your mortgage company will do another appraisal once you have signed contracts (unless you already have them) You need home owners insurance if you havent done that already. Make sure you or your realtor ordered title for you also... Dont forget about utilities being switched into your name. Mortgage rates change daily...So cant give you an answer on that.. GOOD LUCK