820 Credit Score Mortgage

Options for getting a mortgage loan with 820 Credit score

With an excellent 820 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 820 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.
820 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 780-850 820

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 75.89$ 75.99$ 74.69% 55.18%
Programs Hard Money Hard Money Hard Money Hard Money
Points 0.92 1.65 1.4 1.71
Rate 9.15% 10.04% 9.55% 11.24%
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 820 credit:

  • Sure Fund Mortgage
  • 4433 Punjab Way, Suite 302, Frisco, TX, 75033
  • We are Sure Fund Mortgage and we are licensed to provide mortgage services for residential properties in Georgia and Texas. We have a team of mortgage experts to guide you through this major financial decision. We will treat you with the respect due a valued customer and give you the personal service you deserve.
  • Listerhill Credit Union
  • 4790 East 2nd Street, Muscle Shoals, AL, 35661
  • "Listerhill Credit Union is a nonprofit financial cooperative improving lives in our community. In 1952, seven Reynolds Metals employees came together to combat the growing issue of predatory lending to other vulnerable plant workers. At the time, loan sharks would lend money with outrageous interest rates and sometimes never-ending terms."
  • Fair Way Lending
  • 918 Lily Creek Road, Suite 202, Louisville, KY, 40243
  • "We are a mortgage lender dedicated to treating each and every client the “Fair Way”. ​ We believe in creating an individual experience for all of our clients to ensure that their home financing needs are met, and far exceed the industry standard when it comes to product knowledge, professionalism, and good old fashioned hard work"
  • CR Mortgage Solutions Inc
  • 585 Grant Street South East, Atlanta, GA, 30312
  • CR Mortgage Solutions company is an experienced, independent and local mortgage broker in the Grant Park area, specializing in home loans and refinancing. We work with a variety of banks to find the best residential mortgage loan at the best rate, and we can help you every step of the way, all the way to closing on your new home
  • First Community Bank Texas
  • 416 North Water Street, Corpus Christi, TX, 78401
  • First Community Bank is a traditional community bank — our employees are shareholders of the bank, which means they have a personal interest in creating satisfied customers. We are rooted in South Texas, and we know, understand and serve the residents and businesses of the Coastal Bend at 10 convenient bank locations.
  • Cloud9CapitalCorp Inc
  • 2015 Lincoln Highway, Suite 180, Edison, NJ, 08817
  • Cloud9CapitalCorp is a fast growing professional organization engaged in corporate financial advisory, debt syndication, investment banking & financial services, and other allied management services, based out of New Jersey. Cloud9CapitalCorp has been promoted by professionals and managed by highly qualified, experienced and dynamic professionals
  • Chadash Lending Group LLC
  • 2223 Park Manor Lane, Snellville, GA, 30078
  • Chadash Lending Group, LLC is a Licensed Mortgage Lender and a Licensed Mortgage Broker in the State of Georgia. Helping people realize their dreams and accomplish their goals in life is very rewarding to us at Chadash Lending Group. And because not only are we a Lender, but we also work with several outstanding Lenders.
  • Angelina County Teachers Credit Union
  • 402 South Medford Drive, Lufkin, TX, 75901
  • The credit union was started in 1954 by a small group of teachers from Lufkin ISD. Mr. Pop Ward and Miss Zelma Cook were instrumental in the beginning. The credit union is a state chartered credit union and answers to the Texas Credit Union Department. Savings are insured by the National Credit Union Association up to $250, 000.00.
  • Mortgage Advisors LLC
  • 6338 South Wolff Court, Littleton, CO, 80123
  • Mortgage Advisors, LLC is a business entity registered with Colorado Department of State (CDOS). The business entity number is #20181351770. The business office address is located at 6338 South Wolff Court, Littleton, CO 80123. The business is formed on April 27, 2018. The entity type is limited liability company.
  • Tri State Area FCU
  • 28 Church Street, Hoosick Falls, NY, 12090
  • Tri State Area Federal Credit Union (TSAFCU) is a full-service member-owned not-for-profit community credit union. It was founded in 1953 and continues to grow strong. We focus on providing good old-fashioned “member” service while helping our members answer financial questions, buy new or used vehicles, purchase and refinance homes
  • Nashville Post Office Credit Union
  • 10 Rachel Drive, Nashville, TN, 37214
  • Nashville Post Office Credit Union, we are a full-service financial institution and one of the oldest credit unions in the Middle Tennessee area. Each member is equally important because members are the owners. Each Member has one vote to elect our voluntary Board of Directors. NPOCU was founded in 1925.