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DEAN FOR AMERICA on 06/30/03 Gelernter, Wendy Pace Consulting/Consultant, Zip code. Much like a FICO credit score, the Appraisal Score ranges from 0 to 1,000, with 1,000 being a perfect score. Be aware also that low introductory rates commonly change to much higher rates over time. Correlation is a big focus at the moment, Backshall remarks. If she takes out a 30-year fixed mortgage today, her payment will go up by $180 a month. At Wells Fargo, fixed-rate mortgages accounted for nearly half of all mortgages in the first quarter of this year, up from 35% during the fourth quarter of 2004, says Brad Blackwell, national sales manager.

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