781 Credit Score Mortgage

Options for getting a mortgage loan with 781 Credit score

With an excellent 781 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 781 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.


Note: Lendersa loan requests contain all the data points mortgage brokers need to get you loan proposals.
781 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 780-850 781

Despite having a low credit score, Private investors will refinance your mortgage as long as you have enough equity in the property or you put in a large down payment.

Owner-Occupied Residential Non-Owner-Occupied Residential Commercial Hard Money Vacant Land
Max Loan to Value 73.93$ 73.87$ 74.1% 54.84%
Programs Hard Money Hard Money Hard Money Hard Money
Points 1.09 1.82 1.57 1.88
Rate 9.32% 10.21% 9.72% 11.41%
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

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 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 781 credit:

  • Alta Mortgage Group
  • 4824 South 6150 West, Hooper, UT, 84315
  • At Alta Mortgage Group, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options.
  • MORTGAGE CAPITAL
  • 9473 Garland Lane N, Maple Grove, MN, 55311
  • Mortgage Capital can assist with all of your constructions needs. Whether you are looking for plans, looking for lots, creating a budget, or looking for builders, We are committed to the highest level of services, ease and value for conventional mortgages, refinances, home equity lines, FHA, USDA, VA, jumbo financing, first-time buyers etc..
  • Integrity First Financial
  • 7635 McLaughlin Rd, Falcon, CO, 80831
  • Integrity First Financial, Inc., a Colorado mortgage lender, has been providing all types of residential loans in Colorado since 2002 and is accredited by the Better Business Bureau (A+). At IFF, we take pride in the business that we have built and we are here to help you with your mortgage needs.
  • Accurate Financial Mortgage Group Inc
  • 3140 Old Canoe Creek Road, Saint Cloud, FL, 34772
  • At Accurate Financial Mortgage Group, we are dedicated to taking care of our clients mortgage needs in a personal, warm and caring environment. We provide exceptional service through our highly skilled mortgage officers. Our mission is to offer individualized assistance to each customer, based on shared trust and communication.
  • Assurance IQ, LLC
  • 920 5th Avenue, Suite 3600, Seattle, WA, 98104
  • Our mission is to protect and improve the personal and financial health of all consumers. We meet consumers wherever they are in life with custom tailored solutions just for them. We empower them to take actions that improve their life and protect the things they care about. We provide a unique experience for every consumer.
  • Freedom Bank
  • 99 West Essex Street, 2nd Floor, Maywood, NJ, 07607
  • Freedom Bank is an independent, full-service commercial bank that's committed to providing individuals and businesses with ways to achieve their financial goals. From checking and IOLTA accounts to CDs and low-cost loans, we have it all! We are dedicated to high-tech delivery of competitive products,
  • NorthCountry Federal Credit Union
  • PO Box 64709, Burlington, VT, 05406
  • NorthCountry Federal Credit Union IN 1950, the employees of General Electric in Burlington, Vermont organized a credit union. The goal was to lend and borrow from one another at rates better than those offered by commercial banks. Over time, that little financial cooperative has grown into one of Vermont’s largest and most innovative credit unions.
  • HomeLoan123
  • 13725 Proctor Ave, Suite A, La Puente, CA, 91746
  • HomeLoan123.com, in 1994 to expand our services via the Internet and provide online mortgage services. Our goal has always been to provide the best available mortgage products and to make the mortgage process a positive and pleasant experience for you. Over the Internet, telephone or in person, we are here to serve you.
  • Mahoning Valley Federal Credit Union
  • 15 Colonial Drive, Suite 14, Youngstown, OH, 44505
  • Mahoning Valley Federal Credit Union is committed to providing friendly accurate prompt & professional financial services to all our members. It is our responsibility to provide these benefits to our members & maintain adequate capital reserves. We will promote an atmosphere in which our employees are stimulated to achieve outstanding performances