795 Credit Score Mortgage

Options for getting a mortgage loan with 795 Credit score

With an excellent 795 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 795 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.
795 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 780-850 795

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 74.41$ 74.32$ 74.57% 54.96%
Programs Hard Money Hard Money Hard Money Hard Money
Points 1.03 1.76 1.51 1.82
Rate 9.26% 10.15% 9.66% 11.35%
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 795 credit:

  • Residential Capital Partners
  • 3838 Oak Lawn Avenue Suite 1500, Dallas, TX, 75219
  • Residential Capital Partners is a leading hard money lender with a national scope and a local presence in each market we serve. We are dedicated to the customers we serve and we understand the demands of the single-family residential purchase and rehabilitation process. Given the breadth and depth of our experience over the last 10 years
  • First National Bank of Picayune
  • 121 East Canal Street, Picayune, MS, 39466
  • First National Bank of Picayune was founded in September 1947 to serve the residents of Pearl River County. It is the only local bank headquartered in Picayune, Mississippi. In addition to the Main branch located on East Canal Street, the bank has three branches in Picayune, West Canal, North, and South branches. West Canal branch was opened in 196
  • Consumer’s Federal Credit Union
  • 301 West Highway 18, Gregory, SD, 57533
  • 1977, Consumer’s Federal Credit Union opened its doors in a small room located in the local Rosebud Farmer’s Union building. For twenty-three years, this is where the Credit Union called home. In October of 2000, the Credit Union broke ground at its current location on Highway 18. Subsequently.
  • Expedient Mortgage
  • 15900 La Cantera, Suite 26235, San Antonio, TX, 78256
  • Expedient Mortgage is the trusted, local APM division that caters to the specific needs of your community. Like APM, Expedient Mortgage’s mission is to create experiences that matter while serving your home financing needs.Whether you are buying your first home, a new investment property or building your dream home.
  • American Realty Associates, Inc
  • 18062 Irvine Avenue, Suite 107, Tustin, CA, 92780
  • American Realty Associates have been working with real estate professionals for over 12 years. Our staff understands how important it is to communicate and follow up with realtors regarding their client’s mortgage services. Our automated prequalification and approval systems allow the real estate professional to prequalify the client.
  • Pacific California Financial
  • 145 N Lemon St, Orange, CA, 92886
  • We provide our home buying clients with local expertise to help them find the ideal home and neighborhood to suit their lifestyle. We represent new home developers who specialize in building luxury homes in prime residential neighborhoods. Each home is crafted to offer the best in contemporary design and amenities.
  • American Mortgage Management
  • 4695 Chabot Drive, Suite 200, Pleasanton, CA, 94588
  • 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. To serve our customers with honesty, integrity and competence.
  • Surety Home Loans LLC
  • 9249 S Broadway, Highlands Ranch, CO, 80129
  • 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. It's your loan...your way! Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Valley Central Bank Mortgage
  • 6550 Princeton Glendale Rd, Hamilton, OH, 45011
  • Valley Central Bank first opened its doors on June 16 1884 in the back of what was known as the Fladungs Hotel and Saloon located at 421 Benson St. The association then known as the German Building and Loan grew largely because it filled a need for home loans that most banks of that time had little interest
  • Larkins Tiffany
  • 712 North Valley Street, Suite F, Anaheim, CA, 92801
  • Tiffany believes that real estate is not an ordinary but an “extraordinary” profession and to be successful, you must be an extraordinary person. My service goals are not actually goals they are standard operating procedure. I believe in providing everyone with the same level of personal and professional service.