Most conventional loans need a 620–660+ credit score; 740+ unlocks better rates and lower PMI. See score tiers with The 2 Mortgage Guys.
Most conventional loans need a 620–660+ credit score; 740+ unlocks better rates and lower PMI. See score tiers with The 2 Mortgage Guys.
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Most lenders look for at least a mid-600s credit score for a conventional loan — and scores of 740 or higher unlock the sharpest rates and lowest PMI. Here is exactly how score tiers affect your approval and pricing.
Pricing grids are not one-size-fits-all, but these ranges are a practical way to set expectations.
Your credit score influences two big costs: the interest rate (loan-level price adjustments) and PMI when you put less than 20% down. A 40–60 point jump can matter more than shopping another lender.
Lenders use the middle score of three bureaus (or the lower of two). We pull credit the right way, explain what we see, and tell you whether waiting to apply is worth it.
You still have paths to homeownership — and we will be honest about which one saves you money.
Related guides to help you compare options and move toward pre-approval.
Run the numbers before you apply — then get a real pre-approval from Ryan or Steve.
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We will pull credit, show your conventional pricing tier, and map the fastest path to approval.
Steve DeLon and Ryan Minick - Branch Managers and Senior Loan Officers at .
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Ryan Minick NMLS# 203249
Steve DeLon NMLS# 202876
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