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Ken Lam Realty · Tools

What loans does my score qualify for?

Enter your score, down payment and price. See which loan types fit, which are close, and how many points to the next price tier.

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Loan types that fit your score
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Loan amount: $0
Rows marked estimate are lender practice, not an official minimum. Every lender can set its own floor (overlay). A score alone never approves a loan: income, DTI, assets and the whole file count.

Common myth: "You need 620 for a conventional loan." Fannie Mae's DU has had no minimum score since Nov 16, 2025, and Freddie Mac's LPA doesn't require one for Accept loans either. In practice most lenders and mortgage insurers still want about 620. The rule changed; the lender's floor often didn't.

Next steps

  1. Two people on the loan? Find the score the lender actually uses with T236.
  2. See what your score band costs per month in T37.
  3. A few points short? Lower your card balances with T231 and T232, then ask the lender about a rapid rescore.
  4. Old bad marks? Check when you can apply again in T233.
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