Do we close all our credit cards but one or two to get our score higher

I have been doing a lot of reading and still can’t come to a conclusion on what to do. My husband and I have a credit score of 788. We have had a lot of debt but have always been on time. Recently we have worked really hard to get all our debt paid off. I am happy to say that we only have about $7000 left—we have paid off $20,000 in the last few months. My question is: Do we close all our credit cards but one or two? They all have a zero balance, but I don’t want to hurt my credit score. We are going to be applying for a home loan soon and want the best score possible. We currently have 4 credit cards and 1 line of credit, all with a zero balance. What is the best solution?
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i wouldnt close anything out as it lookss good to have a low debt to high credit credit limit ratios accross all your credit cards
788? good gosh dont worry be happy, my credit union used 684 for the best rates some mortgage brokers will maybe go as low as 5.5 30 fixed
but one normally has to pay a point even with a 788. i refuse to pay points
they have these huge fees, 3500 range for 30 yr fixed.
i think i am gonna sell my house in a few years
i got a 5.125 7 yr ballon with figuured on a 30 yr fixed
closing cost 1200 that way when i go to sell i haven't added 3500, plus a point or like 5000 more
and of course
they say no money down or refis, so what, they do is add the fees into your loan.
that really bother me
one needs to decide how long they are going to stay in the house and make correct decisions
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So how do you get out of paying points? One of my husbands (and mine) biggest gripes is the huge fees we are charged when we buy a home. Tell me how to get around that! The loan costs on a mortgage are outrageous.
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points add on to fees to buy down the interest rate on conventional fixed rate loans
i refuse to buy down rate or pay points PERIOD feees on conventionals
ad up, lenders fee 795, title fee 350, credit reports 35, deed search and on and on.
ask em what they are
they add up to 3000 dollars at most lenders but vary
my credit union will do 2800 but countrywide who has my loan called me and said 6.5 fixed with 3500 fees
i called credit union they said 6.0 with 2700
i called tyrone back at country wide and said DUDE
you have my loan now, you emailed and mailed and called me. and you can't beat my credit union. call me back when you can get REAL

i kept asking for lower fees because we plan to sell in less than
she said the lowest fees go with ballons
the bad end is ones credit could go south in 7 years and it might be hard to refi
OR one thing i found out when i refied this house. My friend with mortagage connection tried hard to get me to finance more and pay a point...... i refused. when i signed the paper i saw on one line that said brokers money. he got paid 3500 range as a percentage and would get like half the points had i paid them. it pi...... me off
i think 4000 to finance my home is too dang much. and i refuse to use a realtor for 6 percent. what are they smoking those crazy people. They have this high paying lobby thing. we are stuck until we break em up a little. it is happening as we speak. forsalebyowner.com gets listed in the mls.
this really p..... the realtor lobby off and they are still fighting-----------------oh i got lost.)^^%$#@@ sorry----------------the interest rate could go up and i might pay more money for a refi later since i plan to sell, i will have to refi anyways o i am willing to risk it, matter of a fact i have to risk it if i plan to sell and the fees are half for a ballon an the rate is lower 5.125 rate, 1200 - 1300 fees
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if you plan on staying
get a conventional loan an d pay th least amount of fees and rate you can call a credit union if you have one
a mortgage brokerand maybe your current lender ask each one to break down the fees.
tell them the best man wins, plain as day but with a conventional you will have to pay those fees you can find places that have lower fees tho