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VA Home Loan Credit Score Requirements: Bad Credit? No Problem!

When it comes to securing a mortgage, your credit score plays a significant role in determining your eligibility. For veterans, active duty service members, and eligible surviving spouses, the VA home loan program offers an excellent opportunity to secure a mortgage with more lenient credit requirements. 

What is the minimum credit score for a VA home loan?

While the Department of Veterans Affairs (VA) itself does not have a specific minimum credit score requirement, individual lenders do have their own criteria. In most cases, lenders look for a credit score of 620 or higher to approve a VA home loan. This threshold is generally considered a “fair” credit score, and it allows many borrowers to qualify for a VA loan without too much difficulty.

However, it’s important to note that credit score requirements can vary from one lender to another. Some lenders may be more lenient, while others may have stricter criteria. It’s always a good idea to shop around and compare different lenders to find the best fit for your situation.

How low can a lender go in most cases?

In some cases, lenders may approve a VA home loan for borrowers with a credit score as low as 500. While this may not be the norm, there are lenders out there who specialize in working with borrowers who have bad credit or are rebuilding their credit history.

If your credit score falls below 620, it’s essential to recognize that you may face higher interest rates and stricter loan terms. However, this doesn’t mean that you’re completely out of luck. With a bit of research and persistence, you can find a lender willing to work with you.

Remember that improving your credit score before applying for a VA home loan can significantly increase your chances of approval and secure more favorable loan terms. Some ways to boost your credit score include paying down existing debts, maintaining a low credit utilization ratio, and making all of your payments on time.


Homefront Alliance Mortgage is able to assist Veterans and Military Service Members down to a 500 credit score. Though the lenders we work with are able to assist those with lower credit, you must still qualify for the loan with other compensating factors. Get in contact with us or click below to get pre-qualified.

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