756 Credit Score Mortgage

Options for getting a mortgage loan with 756 Credit score

With your good 756 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 756 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.


756 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 756

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 72.49$ 72.52$ 72.7% 54.48%
Programs Hard Money Hard Money Hard Money Hard Money
Points 1.27 2 1.75 2.06
Rate 9.5% 10.39% 9.9% 11.59%
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

756 is a low score; unfortunately, a small percentage of mortgage brokers could take advantage of your credit disadvantage 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 800 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 756 credit:

  • Pine Country Bank
  • 1201 1st Avenue Ne, Little Falls, MN, 56345
  • Pine Country bank takes pride in providing our area businesses with the products and services you need to make your business successful. Whether your business is new or well-established, small or large, our business banking professionals get to know your business and work with you to meet your individual business needs.
  • Keystone Credit Union
  • 11877 County Road 492, Tyler, TX, 75706
  • Keystone Credit Union was founded in 1964 by leaders of the Tyler Pipe Industry in an effort to protect their employees from being taken advantage of. That ethos and mission is still true today – we work hard to provide exceptional financial services, education, and solutions to meet the needs of each and every one of our members
  • Financial Choices Corporation
  • 4090 Amberfield Circle, Norcross, GA, 30092
  • Financial Choices Corporation We now offer (1) FHA/VA loans; (2) Cashout refi without title seasoning period; (3) Conventional loans with 95% LTV and no MI; (4) Full lender pre-approval for purchase with address TBD; (5) 10 mortgage loans per borrower; (6) HomePath loans with NO appraisal and down payment of 3% for owner occupied
  • PROCESS MORTGAGE, LLC
  • 249 Central Park Ave, Ste 300, Virginia Beach, VA, 23462
  • The mortgage process can be complicated and confusing. Our mortgage experts help make the process easy to understand! With a single application and credit report, we can show you the best options from the best lenders. Never waste time duplicating work!Our loan Originators have access to a wide array of loan products.
  • Golden Mortgage LLC
  • 10117 SE Sunnyside Road, Suite 405, Clackamas, OR, 97015
  • Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
  • Oak City Lending LLC
  • 8512 Six Forks Rd, Suite 102, Raleigh, NC, 27615
  • Our goal at Oak City is to "wow" each of our clients. This means going above and beyond the norm to make each client so happy that he'll tell everyone about it. We also believe attitude is everything, and a positive attitude goes a long way in providing excellent customer service.
  • Direct Payday Loans
  • 70 E San Francisco St, Santa Fe, NM, 87501
  • directpaydayloans.com is not a lender and is not involved into making credit decisions associated with lending or making loan offers. Instead, the website is designed only for a matching service, which enables the users contact with the lenders and third parties. The website does not charge any fees for its service.
  • U.S. Mortgage Funding
  • 100 West Randolph, 9th Floor, Chicago, IL, 60601
  • U.S. Mortgage Funding has thirty plus combined years of lending experience between the Founders. The foundational experience was built through various facets of the business with a deep understanding of real estate finance. Built upon hard work and a strong reputation, the U.S. Mortgage.
  • South Louisiana Bank
  • 1362 West Tunnel Blvd, Houma, LA, 70360
  • At South Louisiana Bank, we offer a real commercial banking advantage over the big banks in our area. We pride ourselves on local decision making and servicing of our commercial loans. Our commercial lending staff is well versed in all aspects of corporate finance and they provide a customer-focused approach to banking.
  • Emerald Coast Investments
  • 18141 Beach Boulevard, Suite 370, Huntington Beach, CA, 92648
  • Emerald Coast Investments has been in the mortgage lending business for over 20 years. We have seen it all. We provide a custom mortgage financing experience. We are very “hands-on” with our clients. You are NOT handed off to a third person to complete your transaction. We can do Conventional, Jumbo, FHA, VA, REVERSE Mortgages,
  • Xcellence Mortgage, INC
  • 10508 N Kendall Dr, Miami, FL, 33176
  • Xcellence Mortgage is currently working with Several of the Top Lenders & Investors in the Nation allowing us to provide a wide variety of loan options. Mortgage Broker Business serving the state of FL. We Love what we do so we do it with Passion & Strive for the highest level of Xcellence.