Compare Mortgage Rates for Very Good Credit (720) - Feb 13, 2026
A 720-739 score is very good—you qualify for competitive rates and most loan programs. You're solidly above the threshold where rates start to improve meaningfully. Moving into the 740s can still trim your rate and lifetime cost a bit.
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.