760 Credit Score Mortgage

Options for getting a mortgage loan with 760 Credit score

With your good 760 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 760 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.


760 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 760

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 72.73$ 72.74$ 72.93% 54.54%
Programs Hard Money Hard Money Hard Money Hard Money
Points 1.24 1.97 1.72 2.03
Rate 9.47% 10.36% 9.87% 11.56%
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

760 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 760 credit:

  • Southern Home Mortgage Corporation
  • 888 US-431, Boaz, AL, 35957
  • Southern Home Mortgage Corp is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
  • UC Funds
  • 745 Boylston Street, Boston, MA, 02116
  • UC Funds is a national balance sheet provider of both debt and equity capital solutions that has provided over $3 billion dollars of capital solutions since 2010. UC Funds provides quick, reliable and customized financial solutions throughout the entire capital stack, including joint venture equity.
  • WLW Capital, LLC
  • 602 Channelside Dr, Tampa, FL, 33602
  • WLW Capital is the premier private lending firm in the state of FL, offering an array of loan products for real estate investors.WLW Capital also develops real estate & operates a portfolio of parking assets across the state of FL. WLW is a hard money lender focused on servicing real estate investors by providing quick and low cost capital.
  • CalNest Financial & Realty Corporation
  • 43731 Boscell Road, Fremont, CA, 94538
  • CalNest Financial & Realty was established in 2009. It is a full-service home purchase agency that integrates housing sales and loans. The company is located in Fremont, Fremont, California, San Francisco Bay Area. It is located in the Silicon Valley region. It has unique geographical advantages and insights into technology, finance,
  • Pioneer Mortgage
  • 2508 Whitney Ave, Hamden, CT, 06518
  • Pioneer Mortgage was started in 1999 by Michael Greenberg and Todd Brandi. Michael Geenberg is a graduate of Quinnipiac College. Todd Brandi graduated from University of CT with a degree in Finance and Real Estate Finance and Urban Economic Studies. MORTGAGE BROKER ONLY. NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER.
  • MMC Lending
  • 1008 West Avenue M-4, Suite H, Palmdale, CA, 93551
  • At MMC Lending® we believe that stable living helps build strong communities and it's a privilege to be a part of that process. It's our objective to assist clients in securing the most important investment of their lives by taking each step with them through the loan transaction.
  • Texas Real Estate Finance, LLC
  • 111 Congress Avenue, Suite 500, Austin, TX, 78701
  • Founded in late 2020 with a concept from 2018, Texas Real Estate Finance, LLC is a brand headquartered Austin, TX, and offers multiple real estate financing options for clients from first time homeowners to seasoned investors in the multifamily residential space. What makes TREF, LLC stand out from the retail lenders is a dedicated local team.
  • Tyler City Employees Credit Union
  • 3711 Frankston Highway, Tyler, TX, 75701
  • Tyler City Employees' Credit Union is a full-service, not-for-profit cooperative financial institution that began in August of 1953. It was formed for the purpose of encouraging savings by offering a good rate of return, using collective moneys to make loans at competitive, low rates and providing other useful financial resources
  • BWC Lending LLC
  • 10497 Town & Country Way, Suite 734, Houston, TX, 77024
  • BWC Lending: Because We Care When our president, Chad Helmcamp, decided to start this company, he emailed his teammates and asked why they would refer clients to him. In one form or another, the response he received was, "Because you really care about our borrowers." That care doesn't stop with Chad though.