I've had two short sells this past year so my credit score is 659. I got a rate of 3.9 for any term. According to Experian, the floor of a Medium Risk person is a Fico of 626. If your wife has he higher score, try running all 3 agencies and tell the dealer to use the highest score. Also see if another dealer would do better. 17% is robbery.. also does the percentage depend on down payment?