I'm in the middle of a home refinance, and I just received my FICO score..which is 811. Forgive my naivety, but can interest rates be negotiated based on your credit score? Now.... I'm assuming that they can, but I just want to pose the question to the group to, more or less, gauge just how often it happens. I'm more than willing to flex while stating my FICO score, just to add a little emphasis to the beastly power of the 811.