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700 is a very good credit score. It means that you have a better than average payment history, no lates of any kind. With that score you can get approved for any line credit you want provided your income allows you to meet the required Debt To Income Ratios.
Borrowers with a credit score over 700 are typically offered more financing options and better interest rates, but don't be discouraged if your scores are lower, because there's a mortgage product for nearly everyone. Here's a look at credit scores among the US population in 2003: 1  Up to 499: 1%.  500 - 549: 5%.