Jon touched on a point that applied to me: What dealer gives does not (necessarily) equal what FS is giving... Generally speaking, a person who qualifies for a home loan would be a superior credit risk, and therefore, would qualify for "Elite", or "Super-Preferred" tiers... BTW, the "subvented" programs (e.g. the E46 6.5% program) is not FICO score dependant/driven...
My dealer kept insisting that 6.9 was the best BMWFS could do, so I initially decided to go with my credit union who was giving me 6.75. A little while after I had signed all the paperwork, the finance guy came running up to me and said he looked at my FICO (I've owned my house for 22mos now) and found a non-BMWFS deal from Chase at 6.70, with otherwise identical terms and conditions as my CU. This was really late Friday night, and I didn't really want to have to make another trip out to my CU to fund my loan, and back to drop off a check, so I took it.
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