770 Credit Score Mortgage

Options for getting a mortgage loan with 770 Credit score

With your good 770 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 770 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.


770 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 770

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 73.29$ 73.27$ 73.48% 54.68%
Programs Hard Money Hard Money Hard Money Hard Money
Points 1.17 1.9 1.65 1.96
Rate 9.4% 10.29% 9.8% 11.49%
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

770 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 770 credit:

  • Pierre Hill
  • 175 New Britain Ave, Plainville, CT, 06062
  • We are here to serve you by answering your questions and assisting you in a friendly, courteous manner as you navigate through the mortgage loan process. We are confident that you will quickly see how committed we are to making sure you select the right loan option for your specific situation.
  • Rockway Mortgage Company, Inc.
  • 20525 Center Ridge Rd, Suite 138, Rocky River, OH, 44116
  • Rockway Mortgage Company, Inc mission is to serve our customers with honesty, integrity and competence while keeping our customers best interest at heart. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible.
  • 1st Mississippi Federal Credit
  • 600 19th Avenue, Meridian, MS, 39301
  • 1st MS can help you get the things you want now by offering low rates on your new or used purchase. Choose us for loans on motorcycles, boats, recreational vehicles, and farm equipment. We can also help you refinance your vehicle or equipment for a lower interest rate and monthly payment
  • United Prairie Bank
  • 1141 3rd Ave, Mountain Lake, MN, 56159
  • United Prairie was founded in 1973 when James G. Sneer purchased Farmers State Bank of Mountain Lake, also the community he called home. As the years passed and the bank thrived, Mr. Sneer began acquiring other banks and insurance agency offices to build the organization now known as United Prairie
  • Western Capital Lending
  • 24491 North 72nd Way, Scottsdale, AZ, 85255
  • At WCL Mortgage. We are a local, full-service mortgage company based in Arizona. We specialize in a low cost mortgage solution that benefits today’s home buyer. also we offer Conventional, FHA, VA and Jumbo mortgage lending in Phoenix, Arizona. WCL Mortgage has redefined the mortgage process with you in mind.
  • Firefighters & Company Federal Credit Union
  • 338 South Patterson Boulevard, Dayton, OH, 45402
  • The Firefighters and Company Federal Credit Union was organized as the "Dayton (Ohio) Firemen Federal Credit Union" on the 4th day of June, 1935. The charter members-all fire department employees-applied for permission to organize and operate a Federal Credit Union. The Firefighters and Company Federal Credit Union is a community credit union.
  • First National Bank of Illinois
  • 3256 Ridge Rd, Lansing, IL, 60438
  • First National Bank of Illinois offers banking solutions tailored to our customers, their needs, and our unique community. No matter what your financial need, we can help. But, we also go above and beyond basic banking solutions. We host financial education courses, hold community events and throw neighborhood cookouts.
  • Consolidated Funding Corp
  • 2425 Medina Road, Medina, OH, 44256
  • CHM Lending is a local mortgage broker founded in 1992 and located in Medina, Ohio. Our company offers a full range of mortgage loan products including Conventional, FHA, VA, USDA, Construction, and Renovation loans. Our team has a combined over 45 years of experience in the mortgage industry.
  • Healthcare Employees Federal Credit Union
  • 29 Emmons Drive, Suite C40, Princeton, NJ, 08540
  • Healthcare Employees Federal Credit Union is to create superior member value over a lifelong relationship through personalized service & competitive and convenient financial services while maintaining a sound financial condition. The vision of the Healthcare Employees Federal Credit Union is to become recognized as the premier financial institution
  • Providence Bank & Trust
  • 7936 South Cottage Grove Avenue, Chicago, IL, 60619
  • Providence Bank & Trust is about service, as a bank and as a member of the communities we serve. We pledge to be the local community bank of choice by listening to people, placing their needs first and foremost and responding promptly with meaningful products and services We are a community of talented, dedicated, caring professionals working toget
  • Custom Financial Services Inc.
  • 22527 Crenshaw Blvd. #201, Torrance, CA, 90505
  • We do loan and real estate. all kinds of loans. Residential, Commercial, Private Money Loans. We started in 1964 as an Auto Finance Company. In 1972 when Banking Regulations changed, we entered the market of Private Party real estate loans. We have evolved with the marketplace. Mr. Levy has been involved in this business since 1991.