Mortgages by credit score
Your score does not just change your rate, it changes which programs exist for you at all. Pick your band to see exactly what opens, what closes, and what it costs for each major loan type.
580 credit score
580 is the FHA 3.5%-down threshold and the floor where mainstream mortgage options begin. Conventional loans are generally out of reach, but FHA, VA (with lender overlays), and select non-QM programs are in play.
See what changes ›600 credit score
At 600, FHA pricing improves over 580, more lenders say yes, and some non-QM programs open up. Conventional remains difficult, most lenders hold a 620 line, but your options are meaningfully wider than at 580.
See what changes ›620 credit score
620 is conventional lending’s front door and the level where Fannie Mae/Freddie Mac loan-level price adjustments start. Most loan types are available; pricing tiers above this get progressively better.
See what changes ›640 credit score
640 unlocks better conventional pricing tiers and is the minimum for major down payment assistance programs (Florida Hometown Heroes, Georgia Dream). It is also where many lenders’ overlays disappear.
See what changes ›See what you qualify for
It takes about two minutes and does not affect your credit score. A licensed loan officer reviews every request.