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Approval is rarely the question at this score — pricing is. Calculator prefilled with an estimated rate for this range; adjust anything.
Compare rates and get pre-approved. Shopping multiple lenders can save tens of thousands over the life of a loan.
For educational purposes only. Not financial advice. Actual loan approval depends on credit score, employment history, and lender criteria. Consult a mortgage professional before making home buying decisions.
A 670 credit score is solidly in "approvable" territory for every major loan program. The question stops being whether you'll get a mortgage and becomes what you'll pay for it: at 670 you're two pricing tiers below where conventional rates get genuinely good (740+).
Practically, that means rate shopping matters more than program shopping here. Quotes on the same conventional loan can vary by 0.25–0.5% between lenders for a mid-600s borrower — a bigger spread than higher-score borrowers see.
FHA can still edge out conventional at this score if your down payment is small, because FHA rates barely penalize credit. With 10–20% down, conventional usually wins.
Take a buyer earning $85,000 a year, with $400/month in existing debt and $25,000 saved for a down payment, on a 30-year loan:
| Estimated rate at a 670 score | 6.80% |
| Max home price (bank approval estimate) | $254,000 |
| Estimated monthly payment (P&I + tax + insurance) | $1,980/mo |
| Same buyer with a 760+ score | $257,000 |
| Buying power cost of a 670 score | −$3,000 |
PMI with less than 20% down runs moderately at this score — roughly $40–55 per month per $100,000 borrowed — and cancels at 20% equity.
At a 710 score (estimated 6.64%), the same buyer could afford about $256,000 — $2,000 more house for the same income and monthly budget. The 680 and 700 tiers are close. Paying revolving balances down below 10% utilization the month before your credit is pulled is the most reliable quick lift.
Rules and pricing change at 580, 620, 640, and every 20 points beyond. Pick your exact score, or use the main affordability calculator if credit isn't your constraint: