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Excellent Credit

Mortgage Options for 740-799 Credit Score

This range is considered excellent. You are likely eligible for more favorable pricing, but fees and lender differences still matter.

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Pricing
Pricing: Most favorable
Cash to Close
Flexible; focus on fees.
Credit Tier
Excellent

Available Loan Options

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

Challenges to Expect

  • Fees can still erode a good rate
  • Large loans may add documentation requirements
  • Easy to overlook closing costs

Tips for Success

1

Compare all-in costs, not just rate

2

Ask for a full breakdown of points and fees

3

Keep debt steady until you close

4

Plan cash to close beyond your down payment

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

Poor500-579Fair580-619Fair620-659Good660-699Very Good700-739Excellent800-850

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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