Saying you have a 700 credit score is not considered as good as it used to be, especially with new scoring modules for the mortgage indusrty.
The below is a good rule of thumb
840 - 800 Best
799 - 760 Excellent
759 - 740 Very Good
739 - 720 Good
719 - 700 Above Average
699 - 640 Average
639 - 620 Below Average
619 - 600 Poor
599 - 550 Very Poor
549 - 500 Extremely Poor
499 - 350 Worst
Online consumer FICO scores, though pulled through Equifax, Trans Union and Experian, are Not mortgage credit scores.
Every product has a different scoring module. Trying to finance a car would show different scores than a trying to finance a boat or applying to obtain a credit card, etc.
So attempting to shop for a mortgage using online credit scores could be a huge waste of time. This is why fully applying for a Mortgage and knowing your Mortgage Credit Scores is so important.
Pro Option Mortgage
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Prior Service U.S. Marine Corps