768 Credit Score Mortgage

Options for getting a mortgage loan with 768 Credit score

With your good 768 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 768 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.


768 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 768

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 73.13$ 73.12$ 73.32% 54.64%
Programs Hard Money Hard Money Hard Money Hard Money
Points 1.19 1.92 1.67 1.98
Rate 9.42% 10.31% 9.82% 11.51%
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

768 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 768 credit:

  • Quintet Mortgage, LLC
  • 330 112th Avenue Northeast, Suite 301, Bellevue, WA, 98004
  • Quintet Mortgage LLC is a leading real estate financing firm, providing strategic and resource information for customers, builders, and state agencies. Flexible yet comprehensive in our approach, we are known for being timely and thorough. Clients also know we place an emphasis on details and time tables.
  • Canon Signature Mortgage
  • 715 Main St, Canon City, CO, 81212
  • Our mortgage team members will give you the individual attention you deserve and treat you with the respect due a valued customer. We understand you're making a commitment in purchasing a home, refinancing a mortgage, or tapping into your home equity. So we make a promise to you: we will help you qualify, apply and be approved for the ideal loan.
  • IND Mortgage LLC
  • 233 Needham Street, Suite 300, Newton Center, MA, 02459
  • IND Mortgage is a boutique broker committed to helping borrowers secure a loan: for residential, investment, commercial or small business. Whether you are a buying or refinancing, consolidating debt, or investing in real estate, our experienced team is dedicated to help you accomplish your personal and business goals.
  • Happy Valley Mortgage Company, LLC
  • 2550 West Union, Suite 356, Phoenix, AZ, 85028
  • Happy Valley Mortgage Company, LLC founder of the Donna Avram have been in the mortgage business for over 23 years now, I have been a top producer for many years and now opened my own mortgage brokerage. My business is primarily generated by word of mouth. It brings me great pleasure to see clients leaving my office happy.
  • City National Bank TX
  • 1465 West Second Avenue, Corsicana, TX, 75110
  • City National Bank is a privately owned institution that has embodied the spirit of community banking since the inception of bank in 1983.A group of local business leaders recognized the need for community bank that could better serve the area.The initial stock offering was opened up to the community with a several individuals able to participate.
  • MMP Capital
  • 19 Engineers Ln, Farmingdale, NY, 11735
  • MMP Capital offers a much-needed streamlined approach to the commercial financing market with a special focus on meeting the financing needs of such industries as aesthetic, medical, graphic arts, dental, technology, veterinarian, and eye-care. Our programs enable us to empower businesses like yours.
  • International City Bank, National Association
  • 249 E Ocean Boulevard, Long Beach, CA, 90802
  • International City Bank was established in Long Beach in 1984. In the decades since its founding, the bank's values have remained: strengthening local small business, involvement in the community, and a focus on personal banking. And though ICB's values persist, its services continue to evolve and modernize.
  • The Collective Lending Group
  • 6135 NW 167 ST. #E8, Hialeah, FL, 33015
  • The Collective Lending Group has more than 20 years of experience in the real estate industry, with more than $100 million in closings. This has been possible because of the collective efforts of our well rounded team of successful bankers, brokers, and support staff of marketing experts, accounting magicians, and operation machines
  • Destiny Mortgage Lending
  • Bldg. 417 Crooked Tree Drive, Dawsonville, GA, 30534
  • Destiny Mortgage Lending you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.