Can I get a conventional loan with a 660 credit score?
A 660 score may work, but the score alone cannot tell you. The lender also checks your debts, income, savings, and credit history. Compare conventional and FHA costs using the same loan details.
What this actually means.
There is no universal conventional score floor. Fannie Mae’s DU has no minimum score rule, while manual underwriting, lender, and mortgage-insurance rules can set minimums. At 660, get a file review and actual PMI quote. Compare the full payment, cash due at closing, and insurance terms before choosing conventional or FHA.
Where this can move.
Recent late payments, thin credit history, disputed accounts, lender overlays, and AUS findings can change the answer.
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More conventional questions on Credit.
Educational only. Conventional loan guidelines, lender overlays, rates, fees, PMI, LLPAs, and underwriting requirements can change. Final eligibility depends on full underwriting review. Mortgage Expert, Inc. is not affiliated with Fannie Mae, Freddie Mac, FHFA, or any government agency.