Mortgage Options for 800+ Credit Score
A score above 800 is exceptional. Pricing is typically similar to the most favorable tier, so focus on structure, fees, and cash to close.
Check Your RateIllustrative Rates by Credit Score
Priced October 8, 2026 from Ralo's pricing engine across 15 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 | 6.99% – 8.125% 7.094% – 8.295% APR | 6.99% – 8.125% 7.697% – 8.935% APR |
| 700 | 6.99% – 8.125% 7.094% – 8.234% APR | 6.99% – 8.125% 7.518% – 8.68% APR |
| 740 | 6.99% – 7.625% 7.094% – 7.687% APR | 6.99% – 7.5% 7.453% – 7.938% APR |
| 780 | 6.99% – 7.49% 7.063% – 7.551% APR | 6.99% – 7.375% 7.339% – 7.718% 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
- Fees can still add up
- Large loans can add extra underwriting steps
- High income does not remove the need for a clear budget
Tips for Success
Compare line items and total cash to close
Keep debt stable until the loan funds
Do not let a high score replace careful shopping
Plan for closing costs and reserves
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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