814 Credit Score Mortgage

Options for getting a mortgage loan with 814 Credit score

With an excellent 814 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 814 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.
814 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 780-850 814

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 75.85$ 75.95$ 74.65% 55.14%
Programs Hard Money Hard Money Hard Money Hard Money
Points 0.94 1.67 1.42 1.73
Rate 9.17% 10.06% 9.57% 11.26%
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 814 credit:

  • JMS Global Group
  • 290 Broadhollow Rd, Melville, NY, 11747
  • For 1-4 Unit Investment Properties/ bridge loans , Hotel , International, Purchase refinance , all 50 states and international .Flexible Loan Terms, Underwriting in house , Loans Designed to close quickly on real estate purchases or to leverage equity on owned RE. Real Estate Bridge Loans. JMS Global is the choice of top REIs across the country,
  • Aligned Mortgage Processing
  • 2700 Post Oak Blvd, Floor 20, Houston, TX, 77056
  • "Aligned Mortgage Processing is a contract loan processing company that partners with Mortgage Brokers, Lenders and Bankers throughout the State of Texas. our loan Program: FHA $100 Down Payment Program: 203B • Property must be a HUD REO • Loans up to county loan limits • Credit scores down to 500. Ratios can’t exceed 43% when manual underw
  • Cedar Woods Financial
  • 1115 S Main Street, Cedar City, UT, 84720
  • Cedar Woods Financial, 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
  • Northampton Area School District Employees Credit Union
  • 2014 Laubach Avenue, Northampton, PA, 18067
  • A Credit Union is organized by members of a group having a common bond. The Northampton Area School District Employees Federal Credit Union is comprised of public school employees, this being the common bond. The Northampton Area School District Employees Federal Credit Union began in 1939.
  • Peoples Trust & Savings Bank
  • 2201 N. Green River Rd, Evansville, IN, 47715
  • Peoples Trust and Savings Bank is the hometown bank with longstanding ties to the community, big enough to provide the resources and banking services our customers need and want, yet small enough to care about each customer. We're a "Main Street"​ bank, not a Wall Street financial institution, so we provide personalized customer service.
  • Centerpointe Capital
  • 2522 West Ranch St, Suite 204, Carlsbad, CA, 92010
  • Centerpointe Capital was incorporated in 2004 by Scott Polimeni, President and Broker. Scott proudly served his country for 8 years in the US Army and also graduated Class President from the Riverside Co. Sheriff’s Academy and enjoyed working for 2 agencies and several different assignments during his law enforcement career.
  • Platinum Mortgage Solutions Inc
  • 33 Fair Street, Suite 101, Wallingford, CT, 06492
  • Platinum Mortgage Solutions, our goal is always excellent customized customer service with superior mortgage knowledge, providing our clients the guidance and service they need, whenever they need it! Whether it’s buying a new home or refinancing an existing home, the Platinum team has your back. Licensed in Connecticut & Florida.
  • All NY Funding Inc
  • 3900 Buffalo Road, Rochester, NY, 14624
  • "At All NY Funding Inc We’ll need some basic information to get started! Your name, mailing address, e-mail, phone number, and the property on which you hold collateral. It’s that simple to get started… We then do a quick look up to determine whether or not we can help you with your needs."
  • Coosa Valley Credit Union
  • 2010 Redmond Cir NW, Rome, GA, 30165
  • "We Care" and "We Treat You Like Family" are two core values that differentiate us from banks and other financial institutions. Here we still do business like neighbors helping neighbors, an old fashioned approach that combines modern technologies and the warm professional service you deserve.