Find Options for Your Credit Score
Your credit score affects pricing and options, but it is only one piece of the puzzle. Find your range below and focus on all-in costs, not just the rate.
Credit Score Ranges
500-579
Pricing: Highest tier
Cash to close matters most.
View Options →580-619
Pricing: Higher than average
Down payment depends on program.
View Options →620-659
Pricing: Improving but sensitive
More down can help reduce costs.
View Options →660-699
Pricing: Competitive with shopping
Flexible by program.
View Options →700-739
Pricing: Strong
Flexible by program.
View Options →740-799
Pricing: Most favorable
Flexible; focus on fees.
View Options →800-850
Pricing: Most favorable
Flexible; focus on total costs.
View Options →Credit Score Quick Facts
Income stability, DTI, and cash to close all matter
Lower DTI usually opens more options and better pricing
Closing costs are separate from the down payment
The first quote is rarely the full picture
How Credit Score Affects Your Mortgage
Interest Rate
Higher scores often mean better pricing, but fees can change the real cost. Compare all-in quotes, not just the rate.
Loan Options
Lower scores can limit options, while stronger scores open more programs. Other factors like DTI and cash to close still matter.
Down Payment
Down payment requirements vary by program and lender. More cash down can improve pricing, but it is not the only factor.
Mortgage Insurance
PMI costs are higher with lower credit scores. Improving your score before buying can reduce ongoing costs.
Find Out What You Qualify For
Mortgage pricing is opaque. Compare rate, points, and fees side by side so you can see the real cost. Ralo shows every line item so you can compare mortgage options more clearly.
Check Your Rate