Can I get a conventional loan with a 700 credit score?
Yes. 700 is solidly inside conventional's pricing-friendly range. PMI is reasonable, rate pricing is competitive, and most lenders treat 700 as a clean approval credit. 720 and 740 tiers price even better.
What this actually means.
Above 700, conventional pricing improves materially compared with the 620-680 range. PMI factors drop, LLPAs ease, and the lender's automated underwriting clears more files with fewer conditions. The next big tier breaks at 720, 740, and 760-780. Subject to lender pricing and overlays.
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.