665 Credit Score Mortgage

Options for getting a mortgage loan with 665 Credit score

With a credit score of 665, you have the option to get conventional mortgages, Jumbo, Super Jumbo, FHA, Va, USDA, Non-QM, and hard money loans. Lendersa can help you decide which loan program is most optimum based on your unique financial situation and needs. For commercial properties-type loans, your credit score is good enough for certain bank loans, Subprime SBA loans, or loans funded by private money lenders.

Best rate & terms for your 665 credit score

To be approved for a loan, your credit score is one of several factors that will decide the loan amount and the rate& terms you will get. Among the factors are: low LTV, income stability, cash reserves, low Debt to Income Ratio, Co-borrowers' credit and financials, property conditions, and ten other factors that combined 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.


665 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 620-679 665

When you need a mortgage fast and can't wait for bank approval, your only option is to look for private lenders (Hard Money). It is a misconception that only borrowers with bad credit are using hard money loans. Banks must have your tax returns and full financial records before they approve your loan, regardless of credit. When time is of the essence, getting a private money loan could be much more beneficial than letting an opportunity slide by because of bank latency.

Owner-Occupied Residential Non-Owner-Occupied Residential Commercial Hard Money Vacant Land
Max Loan to Value 65.81$ 65.91$ 66.61% 53.1%
Programs Hard Money Hard Money Hard Money Hard Money
Points 1.96 2.69 2.44 2.75
Rate 10.19% 11.08% 10.59% 12.28%
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 32%

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 to above 680 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 665 credit:

  • Pacific Loanworks, Inc
  • 461 Grand Ave, Covina, CA, 91724
  • Pacific Loanworks, Inc. has been a family-run company specializing in Trust Deed loans and investments for over a decade. We have an unwavering commitment to quality product and service for both borrowers and investors. Our track record is impeccable and we have hundreds of satisfied return clients
  • Northeast Schools and Hospital Credit Union
  • 189 East Main Street, Suite C, Newport, VT, 05855
  • Northeast Schools and Hospital Credit Union has as its mission the responsibility for providing an efficient, effective, and well-managed financial institution that meets the needs of its membership. In order to accomplish this mission, NSHCU will continue a sound yet progressive asset management strategy
  • Welcome Home Finance, LP
  • 8050 Rowan Rd, Suite 503, Cranberry Township, PA, 16066
  • We have built a strong reputation as an outstanding mortgage lender, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state of Pennsylvania. We're a full service, independently owned mortgage lender with an experienced staff offering expertise in every area of mortgage lending
  • Foxfield Financial
  • 7935 East Prentice Avenue, Suite 301W, Englewood, CO, 80111
  • Foxfield Financial, our mortgage experts give you the individual attention you deserve and treat you right. We know you're making a commitment in purchasing a home, refinancing, or tapping into your home equity. We make a commitment to you: we can help you qualify, apply and be approved for the very best mortgage for you.
  • USA Veterans Real Estate and Mortgage Company
  • 31801 East Nine Drive, Laguna Niguel, CA, 92677
  • USA Veterans Real Estate and Mortgage Company is a disabled veteran owned real estate and mortgage company focused on providing active duty military, reservists, national guard, veterans & all other patriots personalized real estate & mortgage services. Our goal is to provide the best possible deal to our customers at the lowest possible prices.
  • United Community Bank of North Dakota
  • 925 20th Ave. SW, Minot, ND, 58701
  • United Community Bank Mortgage Officer, Jordan Wald, is experienced, professional and committed to customer service. He strives to provide the best availability, product knowledge and dedication to the community possible. Jordan is well-versed in all products and makes hard work a priority to provide clients prompt service. Jordan believes in the i
  • Alamo City Credit Union
  • 4801 NW Loop 410, Suite 100, San Antonio, TX, 78229
  • Alamo City Credit Union was originally known as Texas Workforce Credit Union when we obtained our charter July 1955. A lot of faith and foresight went into the forming of this solid organization. At the beginning, $1, 500.00 was the maximum deposit per shareholder. The loan limit was set at $200.00 and only loan per family.
  • Mortgage Unity LLC
  • 67 Forest St, Suite 272, Marlborough, MA, 01752
  • Mortgage Unity is a full service mortgage brokerage that has been specifically built for the consumer, real estate professional and mortgage professional to work together creating a better consumer experience. By taking a collaborative approach to mortgage finance, Mortgage Unity can effectively and efficiently help consumers finance.
  • Ameris Bank
  • 3020 N Patterson St, Valdosta, GA, 31602
  • Ameris Bank is a financial institution serving customers across the Southeast and Mid-Atlantic. Through online account opening, customers across the nation can benefit from Ameris Bank products and services. Ameris Bank has full-service locations in Alabama, Florida, Georgia and South Carolina and mortgage-only.
  • First National Bank of North Arkansas
  • 305 Public Square, Berryville, AR, 72616
  • At First National Bank of North Arkansas we are known as “the old bank with new ideas”. Having been in business since 1889, we have seen a lot of changes in banking. Through these changes we continue to strive to provide our customers with all of the necessary resources to make their experience the best.
  • Qwest Mortgage Inc
  • 68 Second Street, Pike Southampton, PA, 18966
  • Qwest Mortgage was incorporated in August, 2000 by Steven Porter. Steve was a Top Producer with Bank of America for 19 years. The staff at Qwest Mortgage brings an additional 23 years experience in the mortgage industry.Our ability to offer such attractive, competitive rates and fees comes from the relationship.
  • The State National Bank of Big Spring
  • 901 Main Street, Big Spring, TX, 79720
  • Chartered in January 1909, The State National Bank opened for business on March 1st of that year at 204 Main Street. The original bank was organized as The First State Bank of Big Spring and in 1924, converted to a national bank charter, with the bank being renamed The State National Bank of Big Spring