The minimum range for most conventional loans; expect noticeably higher rates.
Offers strong access to competitive rates, though they may be slightly higher than those for "Exceptional" borrowers.
In late 2025, major mortgage entities Fannie Mae and Freddie Mac removed strict minimum score floors for some systems, moving toward a more holistic risk assessment. However, most individual lenders still maintain internal minimums: Average Mortgage Rates by Credit Score - Experian
Lenders use credit tiers to determine the risk of a borrower. As of 2026, the general tiers are:
Generally guarantees top-tier interest rates and the most loan options.
The minimum range for most conventional loans; expect noticeably higher rates.
Offers strong access to competitive rates, though they may be slightly higher than those for "Exceptional" borrowers. best credit score to buy a home
In late 2025, major mortgage entities Fannie Mae and Freddie Mac removed strict minimum score floors for some systems, moving toward a more holistic risk assessment. However, most individual lenders still maintain internal minimums: Average Mortgage Rates by Credit Score - Experian The minimum range for most conventional loans; expect
Lenders use credit tiers to determine the risk of a borrower. As of 2026, the general tiers are: best credit score to buy a home
Generally guarantees top-tier interest rates and the most loan options.