Is my lender being honest re: rates?

[Enrique P.]

Hi all - 

In the process of purchasing our first home and had a question re: mortgage rates - I got a preapproval at 2.9% from Chase when my score was 760 and my wife's was 720. I'm now under contract and WE have zeroed out all of our CC balances resulting in scores of 820 and 760 respectively - was told by my lender that as long as we're above 760, there isn't a big difference when you go higher than that. Does this sound accurate? The house is in NY and we're putting 20% down. 

Just wanted to check before locking in a rate. 

Thanks!