791 Credit Score Mortgage

Options for getting a mortgage loan with 791 Credit score

With an excellent 791 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 791 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.
791 credit score mortgage

Compare 10 Lenders In Minutes

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 780-850 791

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 74.33$ 74.24$ 74.49% 54.94%
Programs Hard Money Hard Money Hard Money Hard Money
Points 1.04 1.77 1.52 1.83
Rate 9.27% 10.16% 9.67% 11.36%
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 791 credit:

  • Sonic Loans Inc
  • 6 Park Lane Boulevard, Suite 605, Dearborn, MI, 48126
  • Sonic Loans was founded by Mortgage industry experts to provide a better way for folks to buy or refinance a home. By creating a lean and efficient process, we're able to offer some of the most competitive rates in the country and close loans at super-sonic speeds! Don’t just take our word for it, see how our clients feel about us
  • THE BRATTLEBORO SAVINGS AND LOAN ASSOCIATION
  • 221 Main Street, Brattleboro, VT, 05301
  • Since our beginning in 1912, Brattleboro Savings & Loan has become a staple of the Brattleboro area by creating and providing competitive financial services and solutions to help the surrounding communities flourish. We are an independent, full-service, community-focused financial institution focused on providing exceptional personal service
  • mrmortgage.us
  • 4380 Bonita Rd, Bonita, CA, 91902
  • At MrMortgage.US. We are a full-service mortgage company based in Bonita, CA. We specialize in VA, Conventional, FHA and USDA loans, Purchase & Refinancing in California statewide. We also serve the surrounding cities in San Diego County. Whether you are buying a home or refinancing, we will protect your bottom line.
  • Belinda Biedebach, Mortgage Broker at Secured Lending Group
  • 380 S Melrose Dr, Suite 381, Vista, CA, 92081
  • At Secured Lending Group, we know getting a mortgage is one of the biggest financial decisions anyone can make. We are a boutique mortgage company that understands the importance of personalized and quality service. With nearly 35 years of combined experience, our team is a trusted source in finding the best terms that fit your needs.
  • First National Bank of Alvin
  • 1600 East Hwy. 6, Alvin, TX, 77511
  • All services at First National Bank of Alvin have been restored. We apologize for any inconvenience that the outage has caused and appreciate your business. First National Bank of Alvin has earned a 5 Star rating for financial stability from Bauer Financial. First National Bank of Alvin is now offering Credit MasterCards to approved customers.
  • CapEd Credit Union
  • PO Box 570, Meridian, ID, 83680
  • We are a people-oriented Credit Union that provides personal and business financial services of superior quality and convenience. Our primary focus areas are member financial well-being, enrichment of community and promotion of quality education. With 10 locations and dozens of ATMs in Southern Idaho, we are here to help you
  • Fieldpoint Private Bank & Trust
  • 100 Field Point, Greenwich, CT, 06830
  • Fieldpoint Private puts clients first, always. With customized options, our team will help you strengthen and sustain your assets in a way that helps you reach your goals, grow your wealth and simplify your life so you can get back to doing what you love most.Our advisors and bankers work across the United States, and are committed to being accessi
  • Stratis Financial Corporation
  • 5772 Bolsa Avenue, Suite 250, Huntington Beach, CA, 92649
  • We are "SERIOUS ABOUT SERVICE"! Our mission is to deliver the highest level of service, accountability and integrity to our customers while offering a broad portfolio of mortgage products. We'll also be happy to prepare a personalized mortgage quote for the home mortgage program of your choice.
  • Waialua Federal Credit Union
  • 67-292 Goodale Avenue, Suite A2, Waialua, HI, 96791
  • Waialua Federal Credit Union has been proudly serving the residents of the Waialua community since 1937. The Waialua Federal Credit Union started for the employees of the Waialua Sugar Cane Company and in 1992 the field of membership was changed to include the community of Waialua and Haleiwa.