776 Credit Score Mortgage

Options for getting a mortgage loan with 776 Credit score

With your good 776 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 776 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.


776 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 776

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 73.61$ 73.57$ 73.79% 54.76%
Programs Hard Money Hard Money Hard Money Hard Money
Points 1.13 1.86 1.61 1.92
Rate 9.36% 10.25% 9.76% 11.45%
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

776 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 776 credit:

  • RPM Financial
  • 1361 El Camino Real, Millbrae, CA, 94030
  • 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. We will always adhere to the highest degree of integrity in all of our business dealings. Our goal is to stay on the leading edge of technology while giving old-fashioned hands on customer service.
  • The State Bank of Geneva
  • 22 South Fourth Street, Geneva, IL, 60134
  • The State Bank of Geneva is committed to being your first choice for financial services. We are locally owned and managed with experienced staff and management who are engaged and focused on excellence. Community banking at SBG means we know all our customers and provide the same products and services as our much larger brethren.
  • East Bay Financial Group
  • 11501 Dublin Boulevard, Suite 200, Dublin, CA, 94586
  • East Bay Financial Group was founded when we recognized that the need to provide the home-owners with a competitive low interest rate and excellent services. We only hire mortgage loan agents with significant experiences and energy to make sure our clients best interest rate and services.
  • Integrated Funding
  • 4098 Barrett Dr., Raleigh, NC, 27609
  • Integrated Funding, located near the North Hills shopping center in Raleigh, NC, is not your average mortgage company. We serve clients in Raleigh, Cary, Apex, as well as Charlotte, Wilmington and throughout North Carolina, and we offer custom-fitted mortgage and refinancing options to suit our clients’ individual needs.
  • Mabrey Bank
  • 11402 S Memorial Dr, Bixby, OK, 74008
  • The Mabrey family has been involved with the bank for four generations, providing steady leadership to this well-known independent community bank. With 15 locations throughout Oklahoma the bank is staffed by more than 260 professionals, provides financial services to more than 25,000 customers and maintains assets totaling more than $1.5 billion.
  • WUFFACE Federal Credit Union
  • 400 North A Street, Richmond, IN, 47374
  • WUFFACE Federal Credit Union aspires to create valuable and trusted lifelong relationships that improve the financial well being of our members and the communities we serve. We provide exceptional personalized service delivered with respect and concern for our members. WUFFACE is an acronym for Wayne, Union, Fayette, Federal and County Employees.
  • Home Mortgage Lenders Inc
  • 14502 North Dale Mabry Highway, Suite 200, Tampa, FL, 33618
  • Home Mortgage Lenders, Inc., we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly. Also, the big banks have a limited number of lending options available.
  • Louisiana Land Bank
  • 3640 Bayou Rapides Road, Alexandria, LA, 71303
  • Louisiana Land Bank, ACA is headquartered in Monroe, Louisiana, with 11 locations state-wide to meet your agriculture and rural financing needs. Louisiana Land Bank has been Louisiana's premier agricultural lender for over 100 years. We are a locally owned and operated lending cooperative whose specialty and expertise are making agricultural loans.
  • Seaside Lending, Inc.
  • 220 South Ola Vista, Unit D, San Clemente, CA, 92672
  • The Primary goal at Seaside Lending Corporation is to provide customers with the best possible rates, lowest closing costs and superior personalized service available. It is for this reason that over 50% of our business comes from personal referrals and repeat customers.We have access to a full range of mortgage.
  • American Trust & Savings Bank
  • 309 McKinley Avenue, Lowden, IA, 52255
  • American Trust & Savings Bank is a bank with operations in one state. American Trust & Savings Bank offers numerous mortgage programs including conventional, FHA, FHA 203(k), VA, USDA and construction mortgages. American Trust & Savings Bank is a FREEandCLEAR Certified Gold Low Rate Lender and Technology All Star.