Is this a good credit score for a mortgage?

Yes. You should have access to most loan types, but pricing still varies by lender. Shopping and fee transparency are key.

Will a higher score still help?

It can. Even small improvements can reduce fees or improve pricing. But comparing all-in costs often matters more than chasing a perfect score.

How should I compare offers?

Compare the rate, points, lender fees, and total cash to close. Mortgage pricing is opaque, so line-item transparency matters. Ralo shows the full breakdown so you can compare mortgage options more clearly.

Good Credit

Mortgage Options for 660-699 Credit Score

This is a solid credit range with broad loan options. Pricing can still vary, so compare all-in costs and do not stop at the first quote.

Check Your Rate

Pricing

Pricing: Competitive with shopping

Cash to Close

Flexible by program.

Credit Tier

Good

Available Loan Options

✓Conventional loans
✓Adjustable-rate mortgages
✓Jumbo loans with some lenders

Challenges to Expect

Pricing is not always in the most favorable tier
Fees vary widely by lender
Large loans can add extra scrutiny

Tips for Success

Shop multiple lenders and compare line items

Keep balances low and avoid new debt

Lock when the terms work for your timeline

Budget for points and closing costs, not just rate

Recommended Loan Types

Conventional

Varies by lender; stronger scores usually price better.

ARM

Varies by lender; stronger scores usually price better.

The Questions Everyone Asks

Related Resources

Other Credit Score Ranges

Poor500-579 Fair580-619 Fair620-659 Very Good700-739 Excellent740-799 Excellent800-850

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