Mortgage Options for 700-739 Credit Score
This is a strong credit range with excellent options. Focus on loan structure, fees, and total cash to close, not just the headline rate.
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 (your range) | 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 still depends on lender and fees
- Large loans can require more documentation
- It is easy to overpay if you do not compare
Tips for Success
Compare the full Loan Estimate, not just the rate
Keep debt steady while you close
Consider points only if you expect to stay long enough
Ask about lender credits and fee trade-offs
Recommended Loan Types
Conventional
Varies by lender; stronger scores usually price better.
Jumbo
Typically higher; lender-specific.
ARM
Varies by lender; stronger scores usually price better.
FHA
580 or higher for the 3.5% down payment; 500 to 579 requires 10% down. Individual lenders often set higher minimums.
DSCR
Set by each lender; higher scores price better and allow more leverage.
Bank Statement
Set by each lender; higher scores price better.
HELOC
Set by each lender.
The Questions Everyone Asks
Other Credit Score Ranges
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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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