Compare Mortgage Rates for Need Improvement Credit (620) - Feb 9, 2026

Scores in the low 620s are on the edge of what many conventional programs accept; FHA and similar options may be more realistic. Rates and terms are tougher here. Improving your score even by a tier can expand options and cut costs.

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.