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 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 (your range) | 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 |
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 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
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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