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660 is approaching prime mortgage territory. Rates are becoming genuinely competitive and you have full access to both FHA and conventional loan programs.
Our Top Picks for 660 Credit Score
Best Rate at 660
Better.com
APR Range6.50% – 7.35%
Min. Credit Score620
Why we recommend it: Better.com's no-lender-fee model saves 660 borrowers thousands at closing compared to traditional lenders charging 1–2 points.
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Best Service
Rocket Mortgage
APR Range6.55% – 7.50%
Min. Credit Score620
Why we recommend it: Rocket Mortgage's award-winning customer service and fast closing times make it a top choice for 660 borrowers.
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Best for Rate Shopping
Credible
APR Range6.50% – 7.50%
Min. Credit Score620
Why we recommend it: Credible's marketplace lets you compare real rates from 10+ lenders simultaneously, which is especially valuable at 660 where rates vary.
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Frequently Asked Questions
Is 660 a good credit score for a mortgage?
660 is fair-to-good for mortgages. You'll qualify for both FHA and conventional loans with competitive rates. Improving to 680+ would provide meaningful rate savings.
What's the monthly payment on a $350,000 mortgage at 660 credit?
At 7% APR for 30 years, a $350,000 mortgage costs $2,329/month (principal + interest). At 6.5%, it drops to $2,213/month — saving $116/month or $41,760 over 30 years.
How long does it take to remove PMI from a conventional loan at 660?
PMI is removed when you reach 20% equity. With a 3% down payment, this typically takes 8–10 years of normal payments, or faster if home values rise or you make extra payments.