Common minimums
FHA 580 (500 with 10% down), VA typically 580–620, USDA 640, conventional 620. Non-QM programs (DSCR, bank statement) often want 660+.
Where pricing tiers break
On conventional loans, pricing improves at 680, 700, 720, 740, and 760.
Key takeaways
- 620/640/660/680/700/720/740/760 are common pricing breakpoints.
Frequently asked questions
Apply Now
Start your application
Quick, secure, mobile-friendly.
Ask Cesar AI
Get instant answers
24/7 mortgage AI assistant.
Calculator
Run the numbers
Payment, affordability & refi tools.
Consultation
Book a meeting
Talk to a licensed advisor.
Contact
Reach the NexGen Capital team
We'll respond within one business day.