695 Credit Score Mortgage

Options for getting a mortgage loan with 695 Credit score

With your good 695 credit score, you could expect quality mortgage programs and competitive rates & terms. Conventional mortgages, Jumbo, Super Jumbo, FHA, Va, USDA, and Non-QM loans are at your fingertips, and every lender in the country will try to compete for your business.

Best rate & terms for your 695 credit score

Your credit score does not guarantee you will get your loan approved. LTV, Income stability, cash reserves, location, Debt to Income ratio, Co-borrowers, property type, property conditions, and ten other factors 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.


695 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 680-719 695

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 66.41$ 66.51$ 67.21% 53.7%
Programs Hard Money Hard Money Hard Money Hard Money
Points 1.66 2.39 2.14 2.45
Rate 9.89% 10.78% 10.29% 11.98%
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 800 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 695 credit:

  • Zero Point Loans Inc.
  • 4440 Twain Avenue, Suite 101, San Diego, CA, 92120
  • Zero Point Loans because we were tired of Big Banks gouging customers. We decided that, if we gave up the idea of having a big building downtown like them, we could cut costs and pass them on to our customers. Maybe you really don’t care – you’re just here for the low rates and fees.
  • California Capital Resources Inc.
  • 12340 Seal Beach, Suite 307, Seal Beach, CA, 90740
  • 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. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • 101 Mortgage & Realty
  • 1231 I Street, Suite 203, Sacramento, CA, 95814
  • At Professional Mortgage Associates, we work with many home buyers who are looking to purchase in the Sacramento, CA area. When working together, we can help you find the right home loan to finance your dream. We care about our customers, which is why our phones are always on. Contact us any time, day, or night.
  • Freedom Northwest Credit Union
  • 303 Main Street, Kamiah, ID, 83536
  • Freedom Northwest Credit Union was founded in 1963 by a dedicated group of volunteers, and we operated under the name Kamiah Community Credit Union until June 2016. From very humble beginnings, guided by the vision and strong leadership of committed volunteers, we have grown to serve 12,000 members with total assets of $426 million.
  • PROCESS MORTGAGE, LLC
  • 249 Central Park Ave, Ste 300, Virginia Beach, VA, 23462
  • The mortgage process can be complicated and confusing. Our mortgage experts help make the process easy to understand! With a single application and credit report, we can show you the best options from the best lenders. Never waste time duplicating work!Our loan Originators have access to a wide array of loan products.
  • Ameristar Capital Mortgage Inc.
  • 7755 Center Ave, 11th Floor, Huntington Beach, CA, 92647
  • Ameristar Capital Mortgage Inc., where we specialize in residential mortgages. At Ameristar Capital Mortgage Inc., we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.
  • Empire Mortgage and Investment, L.C
  • 927 W. Center St, Orem, UT, 84057
  • Empire Mortgage and Investment, L.C have been serving Utah home and investment property owners since 1998 and have a wealth of experience to counsel you through the lending process. As a broker, we contract with different wholesale lenders to help you obtain the best mortgage terms possible.
  • Day Air Credit Union
  • 3434 York Commons Blvd, Dayton, OH, 45414
  • Day Air Credit Union, a not-for-profit, full-service financial institution that serves businesses and residents of the Dayton community in southwest Ohio. In addition to our six full-service locations, credit Union members have access to thousands of surcharge-free ATMs and shared branches nationwide.
  • Embassy Bank for the Lehigh Valley
  • 100 Gateway Drive, Bethlehem, PA, 18017
  • Embassy, we’re committed to helping you make your financial journey a success. By offering the best in reliable, innovative, customized banking solutions, attentive personal service and expert professional guidance, we will provide a secure base from which you can explore your financial potential. Whether you’re an individual, a family or a busines
  • New Mexico Reverse Mortgage
  • 5820 4th Street NW, Albuquerque, NM, 87107
  • New Mexico Reverse Mortgage is located in the North Valley of Albuquerque, NM on 4th Street just 2 blocks North of Montano. The relationship and trust that is built throughout the loan application process continues after the loan has closed. Know that you and your family can rely on us to assist and give professional advice long into the future.
  • Peak Mortgage Consultants LLC
  • 17282 East 98th Way, Commerce City, CO, 80022
  • Peak Mortgage Consultants is a place where all types of clients can find the right loan program for their certain needs. Our goal is always to save you the most amount of time and money on one of your biggest investments.Call us even if you are currently in the loan process. With our quick turn around times and top of the line service.
  • CB Home Loans
  • 16216 Clark Ave., Bellflower, CA, 90706
  • CB Home Loans, we understand the frustration of waiting for bank-approved funds or not having the necessary credit to even get approval. That is why our team is here to help and provide you with the funding you need We offer the following types of loans Commercial Property Loans, Home Loans