Mortgage Options for 500-579 Credit Score
A score in this range makes approval harder and limits options. Focus on improving your credit and building cash to close before you shop.
Check Your RateIllustrative Rates by Credit Score
Priced October 9, 2026 from Ralo's pricing engine across 16 counties in the states where Ralo is licensed. Each cell is the lowest to highest illustrative 30-year fixed rate, with the APR range for the same loans.
| Credit score | 20% down | 5% down |
|---|---|---|
| 660 | 6.875% – 8.125% 6.978% – 8.296% APR | 7.375% – 8.125% 8.063% – 8.936% APR |
| 700 | 6.875% – 8.125% 6.978% – 8.236% APR | 7.125% – 8.125% 7.633% – 8.681% APR |
| 740 | 6.875% – 7.625% 6.978% – 7.686% APR | 7% – 7.625% 7.44% – 8.066% APR |
| 780 | 6.875% – 7.49% 6.978% – 7.55% APR | 6.875% – 7.49% 7.222% – 7.835% APR |
Ralo's published grid starts at a 660 score. Scores below that are priced case by case and are not shown here.
Rates are illustrative examples, not a loan approval, rate lock, or commitment. Actual rates depend on credit score, LTV, occupancy, lock period, and loan amount.
Available Loan Options
Challenges to Expect
- Limited lender options
- Higher pricing and fees
- More documentation and scrutiny
- Larger cash-to-close expectations
- Stricter debt and income review
Tips for Success
Pay every bill on time
Keep credit card balances low
Review your credit report for errors
Avoid new debt before applying
Build a cash buffer for closing costs
Recommended Loan Types
The Questions Everyone Asks
Other Credit Score Ranges
Ready to Get Pre-Approved?
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 Now