811 Credit Score Mortgage

Options for getting a mortgage loan with 811 Credit score

With an excellent 811 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 811 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.
811 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 780-850 811

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 75.83$ 75.93$ 74.63% 55.12%
Programs Hard Money Hard Money Hard Money Hard Money
Points 0.95 1.68 1.43 1.74
Rate 9.18% 10.07% 9.58% 11.27%
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 811 credit:

  • New Horizon Mortgage, Inc.
  • 11106 West Avenue, San Antonio, TX, 78213
  • The New Horizon Mortgage, Inc. team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • Super Rate Inc
  • 4482 Barranca Parkway, Suite 123, Irvine, CA, 92604
  • Super Rate Inc is a California mortgage firm, founded on 2007 and with a team of highly knowledgeable agents committed to providing the highest quality of mortgage loan service. and Through years of serving loan business for customers, we found out there is something deeper than making money.
  • Bath Savings Institution
  • 105 Front Street, Bath, ME, 04530
  • Bath Savings is a mutual savings bank serving Midcoast and Southern Maine for more than 165 years. We provide personal and commercial banking and investment solutions paired with competitive rates, personal service, and online banking technology that put you in control of your finances.
  • Willow Island Credit Union
  • 7910 S Pleasants Highway, Saint Marys, WV, 26170
  • Willow Island Federal Credit Union was chartered on March 4, 1953. The chartering members were Raymond E Leach, Earl D Ellis, R C Lantz, Alfred T Hall, John H Cramer, D Ernest Wilcox, & R K Britton. The credit union was organized due to the need for employees to be able to obtain loans at a reasonable rate.
  • SouthStar Bank
  • 5925 Steiner Ranch Blvd, Austin, TX, 78732
  • SouthStar Bank, S.S.B. (headquartered in Moulton, TX) specializes in residential mortgage, real estate, and construction lending, operating 15 full-service branches across the Central Texas region. Established in 1920, the bank holds over $1 billion in assets and focuses on community involvement and personal relationships.
  • Private Lending Co Inc.
  • 5002 Strohm ave, North Hollywood, CA, 91601
  • CNB Bank, Inc
  • 101 South Washington Street, Berkeley Springs, WV, 25411
  • CNB Bank's success since 1934 has been a direct result of our unwavering commitment to providing exceptional service and products for our customers. We continue to be focused on building and maintaining long-term relationships with our customers and providing the financial services that will help keep our communities strong and growing.
  • Haverhill Fire Department Credit Union
  • 75 Kenoza Avenue, Haverhill, MA, 01830
  • The Haverhill Fire Department Credit Union was chartered on August 5, 1933 for Haverhill firefighters and their families. The first office was located at the Essex Street fire station. After 1 year of business, in August of 1934, the credit union had 91 members and $3, 515.08 in assets. By 1950 the credit union had assets of nearly $41, 000.