668 Credit Score Mortgage

Options for getting a mortgage loan with 668 Credit score

With a credit score of 668, 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 668 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.


668 credit score mortgage

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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 620-679 668

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 65.87$ 65.97$ 66.67% 53.16%
Programs Hard Money Hard Money Hard Money Hard Money
Points 1.93 2.66 2.41 2.72
Rate 10.16% 11.05% 10.56% 12.25%
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 668 credit:

  • Not So Hard Money
  • 935 E. Main Street, Ste 102, Mesa, AZ, 85203
  • We make Hard Money loans Not So Hard Money®​ by bringing lower rates and fees to our niche in ways that other organizations can't or won't do. We take your loan requests with earnest consideration, in an effort to provide the funding you need. Serving the Commercial Real Estate Equity loan marketplace, we provide both direct lending
  • Venture Financial Inc
  • 6850 West 52nd Avenue, Suite 101, Arvada, CO, 80002
  • Venture Financial, Inc. is a small business doing big things. We are a locally owned company with over 20 years experience in the mortgage industry. Whether you are a first time homebuyer or someone investing in a second property, we are here to walk alongside you. We look at your financial situation as a whole
  • AnMed Health Federal Credit Union
  • 706 East Greenville Street, Anderson, SC, 29621
  • AnMed Health FCU is a non-profit, member owned financial institution. Our goal is to provide the very best financial services in a personal and confidential manner, to meet your financial needs. Our goal is to maintain our credit union’s long term financial stability and to provide a variety of services.
  • United Bank
  • 2071 Chain Bridge Rd, Vienna, VA, 22182
  • At United, we value all of the relationships we have built since 1839. We are committed to providing each relationship with an unmatched level of service. While we offer competitive products, services, rates, and technology, the level of service we provide and our commitment to building relationships is what sets us apart from our competitors.
  • United Trust Financial LLC
  • 40 South Dundalk Avenue, Suite 201, Dundalk, MD, 21222
  • Our goal is to provide the lowest possible rate for all situations. In this age of technology we still maintain the personal touch and service next to none. United Trust Financial is a mortgage company started in October 2002.if you are looking to refinance or purchase, good or challenged credit please contact us.
  • North Coast Credit Union WA
  • 1100 Dupont Street, Bellingham, WA, 98225
  • We've been devoted to our members since 1939. Treat each other with respect, understanding, consideration and dignity. We will create a rewarding and positive working environment where all can fulfill their potential and enjoy coming to work. Deliver compassionate, knowledgeable and personal service that helps members achieve their dreams.
  • Wells River Savings Bank
  • 34 Main Street, Wells River, VT, 05081
  • Wells River Savings Bank (WRSB) has been providing personal and business banking products and services to the Upper Connecticut River Valley of Vermont and New Hampshire for more than 119 years. We take great pride in our tradition of friendly, personal service and our strong commitment to the community.
  • Vista Funding Corp.
  • 18682 Beach Boulevard, Suite 205, Huntington Beach, CA, 92648
  • We treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • Seattle's Best Mortgage Inc
  • 11911 NE 1st St, Suite B306, Bellevue, WA, 98005
  • We 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. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you
  • Senior Reverse Mortgage Group, Inc.
  • 161 No Clark St, Suite 1600, Chicago, IL, 60010
  • Senior Reverse Mortgage Group is local, not an online based company. Since we are located in the area, we are able to meet face to face in your home, or in our office. Closings may be arranged to be conducted in your home Please contact us for a free consultation so all your options can be discussed, allowing you to make the choice to best meet you