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Very Good Credit

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.

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Pricing
Pricing: Strong
Cash to Close
Flexible by program.
Credit Tier
Very Good

Available Loan Options

  • ✓Conventional loans
  • ✓Jumbo loans
  • ✓Adjustable-rate mortgages

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

1

Compare the full Loan Estimate, not just the rate

2

Keep debt steady while you close

3

Consider points only if you expect to stay long enough

4

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.

The Questions Everyone Asks

Related Resources

Loan Types

Conventional→Jumbo→ARM→

Compare Options

Fixed vs ARM→15 vs 30 Year→

First-Time Buyers

First-Time Buyer Guide→Down Payment Help→

Other Credit Score Ranges

Poor500-579Fair580-619Fair620-659Good660-699Excellent740-799Excellent800-850

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.

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