Fixed rate of 5.25% or lower on a new home...reasking...please bare with me?

Question by : Fixed rate of 5.25% or lower on a new home...reasking...please bare with me?
I don't have bad credit. I can get a mortgage loan. I've had 3 homes and sold them all. I'm working on getting my final home (hopefully), but I would like to know how I can get a fixed rate of 5.25% or less.

You need a great FICO score, but how great?
By then, all debt will be paid off except $ 65 in student loans.
I've never been late on a mortgage payment, car or student loan. I was late on 2

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