Mortgage Options for 580-619 Credit Score
A score in this range opens more options, but pricing can still be high. Improving your score and lowering debt can expand choices.
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
- Pricing can still be high
- Mortgage insurance is common
- Stricter debt-to-income requirements
- Fewer lender options than higher tiers
Tips for Success
Pay on time, every time
Keep revolving balances low
Avoid opening new credit accounts
Build savings for cash to close
Shop multiple lenders and compare fees
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.
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