680 Credit Score Refinance
A 680 earns competitive refinance pricing, including cash-out, with one more step up waiting at 700.
By Onias Derilus, Mortgage Capital · NMLS# 1859012 · Last Updated: June 2026
A 680 credit score refinances at competitive pricing. Conventional rate-term, cash-out, and dropping FHA insurance via a conventional refinance all work well here. The rate is good and improves once more at 700, so a 680 is in solid shape with a small climb still able to sharpen a cash-out in particular.
Solid Footing for Any Refi
At 680 every common refinance is available on competitive terms. If you have an FHA loan and equity, refinancing to conventional to cancel mortgage insurance is especially worthwhile at this pricing.
The 700 break is the next gain, and it helps cash-out the most. If you are tapping significant equity and 700 is within reach, the savings can justify a brief wait; for rate-term, 680 is already strong.
| Refinance Type | Available at a 680 Score? |
|---|---|
| Conventional rate-term | Yes, competitive |
| Cash-out | Yes, good pricing |
| Drop FHA insurance | Yes, with equity |
| Next Break | 700 |
680 Score Refinance — FAQ
Yes. A 680 earns competitive pricing on conventional rate-term, cash-out, and refinancing out of FHA insurance. The next break at 700 helps cash-out the most, so a small climb can still pay off there.
Yes, by refinancing from FHA into a conventional loan, provided you have enough equity. At 680 the conventional pricing is competitive, which makes that move worthwhile.
A Refinance With a 680 Score?
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Rates are illustrative only. APR and payments vary by credit score, loan amount, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.