Can I get a conventional loan with a 660 credit score?
Often yes. 660 is above the 620 floor, so conforming conventional is available — but pricing and PMI are tighter than at 700+. Compare the conventional quote against FHA at the same credit; FHA sometimes wins below 700.
What this actually means.
660 lands in the middle of the conventional credit-tier ladder. The file usually clears automated underwriting if DTI and other factors are clean, but PMI and rate are higher than the 700, 720, 740, and 760 tiers. At 660 with 3-5% down, FHA's lower MIP can sometimes beat conventional on monthly cost — run both. Subject to lender pricing.
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.