Compare Mortgage Rates for Fair Credit (640) - Feb 13, 2026
In the 640s you're in fair territory. FHA and some other programs remain within reach, but options and rates are less favorable than for higher scores. Boosting your score into the 660s or 700s can significantly improve your rate and lifetime cost.
If you have time before buying, optimizing your credit can pay off. Use the rates below to see what you qualify for now, then revisit after you’ve boosted your score to see how much the loan changes.