665 Credit Score Mortgage

Options for getting a mortgage loan with 665 Credit score

With a credit score of 665, 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 665 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.


665 credit score mortgage

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Private money lenders for credit score 620-679 665

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 65.81$ 65.91$ 66.61% 53.1%
Programs Hard Money Hard Money Hard Money Hard Money
Points 1.96 2.69 2.44 2.75
Rate 10.19% 11.08% 10.59% 12.28%
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 665 credit:

  • Rocket Federal Credit Union
  • 905 West McGregor Drive, Mc Gregor, TX, 76657
  • Rocket Federal Credit Union has been open since 1954. The credit union has assets totaling $29.97 Million and provides banking services to more than 3, 000 members as of March 2022. The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member.
  • The Tammi Lindley Team
  • 10260 SW Greenburg Rd, Suite 830, Portland, OR, 97223
  • This team is amazing! I can’t believe how easy they were to work with and how quickly they addressed my questions and needs if I ever had to reach out to them. We went through the entire process of buying our home with ease thanks to the Lindley team. I really appreciated how honest and upfront they were with me being a first time home buyer.
  • Ameritrust Mortgage Associates
  • 150 East Palmetto Park Road, Suite 800, Boca Raton, FL, 33432
  • Ameritrust Mortgage Associates will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. Melinda have been a Mortgage Loan Originator for over 26 years.
  • Sage Home Loans
  • 1091 Red Ventures Drive, Suite 300, Fort Mill, SC, 29707
  • OUR PROMISE We're here to help you confidently make smarter decisions about financing your home. Our Values Buying and refinancing a home should be clear and straightforward. An approachable home financing process requires expert guidance. Modern home financing problems deserve updated solutions.
  • Riajan Mortgage LLC
  • 150 South East 2nd Avenue, 3rd Floor, Miami, FL, 33131
  • Riajan Mortgage is a mortgage company based in Miami, Florida, serving residential and business clients throughout the state of Florida. We offer array of lending programs that are designed to provide solution based financing for consumers.residential and business clients throughout the state of Florida.
  • Liberty Savings Bank
  • 3435 Airborne Rd, Suite B, Wilmington, OH, 45177
  • Liberty Savings Bank, F.S.B., was founded in 1889 in Highland County, Ohio, when a group of businessmen pooled their funds to create the Lynchburg Building and Loan Association. The Association was formed to help meet the community’s demand for home ownership, and over the years several business mergers helped to strengthen this small, rural bank.
  • Avondale Private Lending
  • 200 Crescent Ct, Suite 60, Dallas, TX, 75205
  • Avondale Private Lending is a group of private lenders that loans money to professional home builders, developers and remodelers. Our borrowers choose to work with us because we are much faster than banks, have lower down payment requirements, and we don’t have the fees or requirements that you see from many hard money lenders.
  • Olive Tree Lending Inc
  • 20803 East Valley Boulevard, Suite 106, Walnut, CA, 91789
  • "Our goal is to provide quality customer service to each and every client. We have access to a variety of programs which enables us to tailor each loan to your individual needs. Not only do we focus on personal interaction with our clients, but we also focus on making the loan process quick, effective, and simple."
  • Federal Home Loan Bank of Des Moines
  • 909 Locust Street, Des Moines, IA, 50309
  • Federal Home Loan Bank of Des Moines is one of 11 regional Banks that make up the Federal Home Loan Bank (FHLBank) System. Established by Congress in 1932 to support mortgage lending, the FHLBanks are a stable source of funding for more than 7, 300 federally insured depository institutions of all sizes and types. Including Banks, Credit Unions.
  • Worldwide Mortgage Lending Group Inc
  • 3350 SW 148 AVE, Suite 204, Miramar, FL, 33027
  • Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service – putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.
  • LBG Lending Services LLC
  • 4333 Charles Crossing Drive, White Plains, MD, 20695
  • LBG (Led By God) Lending Servieces is a Christian and Veteran owned company. Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible.
  • Elevate Lending
  • 409 W Broadway Ave, Glendale, CA, 91204
  • Elevate Lending, we love what we do. Transparency and simplicity is our way of business. With over 15 years of experience, we understand and appreciate the need for honest, quick and responsible practices of communication and lending. Our client’s satisfaction and happiness are our priority.