Mortgage with a 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.
FHA Loans at 620
FHA loan with a 620 credit score: maximum lender choice, easiest approvals, and how FHA compares to conventional at this band.
What changes ›Conventional Loans at 620
Conventional loan with a 620 credit score: minimum requirements, LLPA pricing reality, PMI costs, and when FHA still wins.
What changes ›VA Loans at 620
VA loan with a 620 credit score: every lender’s overlay cleared, 0% down, no MI, and how VA compares at this band.
What changes ›Bank Statement Loans at 620
Bank statement loan with a 620 credit score: full program access, typical down payments, reserves, and pricing at this band.
What changes ›DSCR Loans at 620
DSCR loan with a 620 credit score: mainstream access, typical down payments, DSCR ratios, and pricing at the entry tier.
What changes ›USDA Loans at 620
USDA loan with a 620 credit score: approaching GUS automation, 0% down, and how USDA compares to FHA at this band.
What changes ›First-Time Homebuyer Loans at 620
First-time homebuyer with a 620 credit score: conventional 3% down, FHA, HomeReady, and comparing your options.
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.