660 Credit Score Mortgage

Options for getting a mortgage loan with 660 Credit score

With a credit score of 660, you have the option to get conventional mortgages, Jumbo, Super Jumbo, FHA, Va, USDA, Non-QM, and hard money loans. Lendersa can help you decide which loan program is most optimum based on your unique financial situation and needs. For commercial properties-type loans, your credit score is good enough for certain bank loans, Subprime SBA loans, or loans funded by private money lenders.

Best rate & terms for your 660 credit score

To be approved for a loan, your credit score is one of several factors that will decide the loan amount and the rate& terms you will get. Among the factors are: low LTV, income stability, cash reserves, low Debt to Income Ratio, Co-borrowers' credit and financials, property conditions, and ten other factors that combined may help or prevent you from getting the loan you need. Timing is another factor to consider, and unfortunately, big banks are often slower than alternative smaller lenders.

Compare 10 lenders to match your unique financing needs

Or check some of the best lenders in the country: https://www.wellsfargo.com/mortgage/rates/ https://www.bankofamerica.com/mortgage/mortgage-rates/ https://www.citi.com/mortgage/refinance-rates https://www.rocketmortgage.com/mortgage-rates

The benefit of using Lendersa advanced qualifier is that it is faster, reliable, and does not require your social security number or other confidential information.


660 credit score mortgage

Compare 10 Lenders In Minutes

No Social security # is needed to find and compare the best matching loan programs from up to 10 lenders

Private money lenders for credit score 620-679 660

When you need a mortgage fast and can't wait for bank approval, your only option is to look for private lenders (Hard Money). It is a misconception that only borrowers with bad credit are using hard money loans. Banks must have your tax returns and full financial records before they approve your loan, regardless of credit. When time is of the essence, getting a private money loan could be much more beneficial than letting an opportunity slide by because of bank latency.

Owner-Occupied Residential Non-Owner-Occupied Residential Commercial Hard Money Vacant Land
Max Loan to Value 65.71$ 65.81$ 66.51% 53%
Programs Hard Money Hard Money Hard Money Hard Money
Points 2.01 2.74 2.49 2.8
Rate 10.24% 11.13% 10.64% 12.33%
Loan terms 1—5 years 1—10 years 1-10 years 1-3 years
Property Condition Any Any include Fixer-Upper Any Unentitled land- reduce LTV to 32%

The Rates & Terms depend on the Loan-to-Value, credit, property location, condition, and local real estate market condition. Unlike the FHA loan, which has standard underwriting, private money loan programs differ significantly between lenders. It behooves you to contact and get quotes from at least three lenders before you make a decision. See a list of potential hard money lenders or use the Lendersa form to shop for your loan simultaneously with hundreds of private money lenders.

How mortgage brokers rip you off

A small percentage of mortgage brokers could take advantage of your great credit score by trying to charge you an arm and a leg. Therefore, it would be best if you compared 3-10 lenders' programs before deciding on the best lender, thus avoiding mortgage brokers' rip-offs and loan sharks.

Improve your credit score for mortgage

Improving your credit score to above 680 will enhance your chances for better loans. Understanding how credit scores work is the first step to raising your credit.

Here are a few links to resources that could raise your credit score: https://www.usa.gov/credit-reports https://www.fanniemae.com/crediteducation https://myhome.freddiemac.com/refinancing


List of lenders who consider lending to borrowers with 660 credit:

  • Truity Credit Union
  • 501 S. Johnstone, Bartlesville, OK, 74005
  • Truity Credit Union was founded in 1939 by the Jane Phillips Sorority in Bartlesville, OK. Mildred Hunt was the first treasurer and she conducted credit union business at her desk in the pipeline department at Phillips Petroleum Company during her lunch break and after hours. At that time a single quarter opened a savings account
  • Tri-State Mortgage LLC
  • 6436 South Racine Circle, Suite 114, Centennial, CO, 80111
  • Tri-State Mortgage began in 2003 by Frank Brock. Mr. Brock had worked in the the industry since 1991 and has worked for several small mortgage companies and larger firms such as: Countrywide, Key Bank and Lehman Brothers. The customer service provided by the big lenders prompted the creation of Tri-State Mortgage.
  • Eastern Panhandle Fed CU
  • 36 GM Access Road, Martinsburg, WV, 25403
  • Eastern Panhandle Federal Credit Union was originally chartered in January of 1970 as the Eastern Auto Workers Federal Credit Union. The purpose was to serve the workers and families of the General Motors parts and distribution facility here in Martinsburg. We have evolved over the years and changed with the times
  • The Check Cashing Place
  • 945 Fifth Ave, San Diego, CA, 92101
  • The Check Cashing Place, Inc. has been in business since 1976 and our friendly staff has been doing payday loans since 1997. When you are searching for company to help you with a payday advance make sure to choose someone you can trust. We are a direct payday lender and are licensed by the California Department of Financial Protection
  • Lincoln National Bank
  • 41 Lincoln Square, Hodgenville, KY, 42748
  • The Lincoln National Bank is a community bank and we take personal pride in giving one on one, friendly service for all your banking needs. We are a full service bank and offer a variety of checking, savings and loan products and other services. We've been committed to serving Hodgenville, LaRue County and the surrounding area since 1889.
  • Brookdale Home Loans
  • 10834 Whittier Boulevard, Suite 103, Whittier, CA, 90606
  • Mike Medina Real Estate and Mortgage Broker. 15 years experience with 450+ homes sold.Providing service in residential, commercial, investment & development properties.Real Estate Broker with CA Properties and Realty. Mortgage Broker with Brookdale Home Loans.We streamline the process of closing a loan, with most loans funding in under 21 days.
  • Coast Central Credit Union
  • 2650 Harrison Avenue, Eureka, CA, 95501
  • At Coast Central, we make banking easy, with access to your finances – anytime. With a network of over 30,000 free ATMs nationwide, the latest digital banking solutions, and 11 convenient Member Services Branches, one open Monday through Saturday and another open 7 days a week and evenings, control your funds from anywhere you happen to be.
  • Elkhorn Valley Bank and Trust
  • 404 South 25th Street, Norfolk, NE, 68702
  • Elkhorn Valley Bank & Trust is a full-service bank with 8 locations in Norfolk, Wayne, Pierce & Albion, NE. Each branch is staffed with experienced & knowledgeable personnel. We provide banking, lending, wealth management, & insurance services to our customers. Elkhorn Valley Bank & Trust continues to be the leader in servicing the financial needs.
  • Coast Residential Funding, Inc.
  • 14415 Big Basin Way, Suite B, Saratoga, CA, 95070
  • John Lofano is committed to providing his clients with the highest quality financial services combined with the lowest rates available in your area. John works with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • Centralbanc Mortgage
  • 2800 156th Ave SE, Bellevue, WA, 98007
  • Heritage Bank was founded in 1927 with the belief that when banks and neighbors work together, great communities grow stronger. Heritage has remained true to this vision—and close to our roots—offering financial solutions that put our customers and local businesses first. Perhaps that's why our company has grown from a single location
  • Atlantic Bay Mortgage Group
  • 255 Primera Blvd Suite 160, Lake Mary, FL, 32746
  • Atlantic Bay Mortgage Group® is a privately owned national mortgage lender headquartered in Virginia Beach, Virginia with over 800 associates and is licensed in 23 states and growing. Atlantic Bay has helped over 130,000 families find the home of their dreams Atlantic Bay has received several top recognitions.
  • Miners Exchange Bank
  • 483 Front Street, Coeburn, VA, 24230
  • Miners Exchange Bank has always endeavored to bring the finest in banking services to our customers. Our technology department boasts the latest and greatest the banking industry has to offer. Services offered by our competition are very similar to ours, but it is the way in which those services are delivered that makes all the difference.