725 Credit Score Mortgage

Options for getting a mortgage loan with 725 Credit score

With your good 725 credit score, you could expect the highest quality mortgage programs and the best rate &terms. Conventional mortgages, Jumbo, Super Jumbo, FHA, Va, USDA, and Non-QM loans are at your fingertips, and lenders will swoon over your loan request to compete for your business. Your top-rated credit score can compensate for a high debt-to-income ratio ( DTI), low reserves, or high LTV.

Best rate & terms for your 725 credit score

A high score credit 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.


725 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 725

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 71.05$ 71.17$ 71.29% 54.12%
Programs Hard Money Hard Money Hard Money Hard Money
Points 1.45 2.18 1.93 2.24
Rate 9.68% 10.57% 10.08% 11.77%
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 35%

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

725 is a low score; unfortunately, a small percentage of mortgage brokers could take advantage of your credit disadvantage 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 725 credit:

  • Two River Mortgage & Investment
  • 157 Broad Street, Suite 312, Red Bank, NJ, 7701
  • Two River Mortgage & Investment provides personal service to each and every client throughout the loan process. We assist you to structure the best program for your individual needs. This is why Two River Mortgage’s core business is generated by personal referrals and repeat business.
  • SUCCESS MORTGAGE, LLC
  • 508 Front Royal Pike, Winchester, VA, 22602
  • SUCCESS MORTGAGE, LLC believe in working hard to get the job done. Our leaders set the example, and it’s this example that encourages the entire team to reach for the goal of greatness. Together, we work hard to be leaders in the industry, to stand out from the competition, and, above all, to make sure our customers are satisfied.
  • Washington Savings Bank
  • 200 South Banker Street, Effingham, IL, 62401
  • In 1883, a group of men got together, to establish an organization whose primary purpose was to help its members purchase homes. The mission of Washington Savings Bank is to be a financially strong, progressive bank, serving our customers by providing quality, professional and innovative products and services they need and want, in a safe
  • Inbanet Real Estate Lending & Investments
  • 8141 2nd St, Suite 347, Downey, CA, 90241
  • Inbanet is a premier direct hard money and non prime lender for commercial and investment residential (strictly for business purpose) properties nationwide with a consortium of strong private label investors, hedge funds, private equity companies and family offices to facilitate quick
  • Flatiron Realty Capital
  • 60 Madison Ave, #1001, New York, NY, 10010
  • Flatiron Realty Capital was founded in 2018 as a privately funded real estate portfolio lender that offers alternative sources of financing to real estate developers and investors. Specializing in bridge loans, construction/rehabilitation financing, and 30-year rental investment products, Flatiron provides holistic solutions to satisfy the short-te
  • Westar Lending Group
  • 19100 Ventura Blvd Suite 9, Tarzana, CA, 91356
  • We specialize in making Residential, Commercial, Fix & Flip and Probate Hard Money/ Private Equity Loans to Borrowers who have credit issues, difficulty proving their income or have had their mortgage applications turned down by the Big Banks. Most of our Borrowers receive their funds in less than 2 weeks.
  • NuVista Federal Credit Union
  • 2711 Commercial Way, Montrose, CO, 81401
  • NuVista Federal Credit Union which was originally Montrose Federal Credit Union was established in 1964. It was built on honesty, integrity & self worth.We hold that same foundation today.When first opened the credit union was for federal employees only. Times have changed & we know now that the support of the community as a whole is what helps us.
  • Broker One Mortgage
  • 95 First Street, Suite 120, Los Altos, CA, 94022
  • "We have built a strong reputation as an outstanding mortgage brokerage firm, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state. We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending"