VA Loan Credit Score Requirements

VA Loan Credit Score Requirements allow lenders to lend to Veterans with low credit scores.

A 580 credit score is required for VA Loans with some lenders in our Network*

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Certain states only.

VA loan credit score requirementsVA Loan Credit Score Requirements will vary based on the state and Lender you choose. VA loans with low credit scores are not a thing of the past. While most banks and lenders require a 620 or 640 credit score to approve you for a VA loan. There is a big market for home loans with low credit scores for people that cannot get approved through traditional lenders. The Lenders Network has established partnerships with a select few highly reputable Lenders who accept a 580 credit score for VA loans. The VA loan credit score requirements vary from lender to lender. Not all 50 states have a mortgage lender that is able to close and fund an VA Loan with a credit score of 580.

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  • 580 minimum credit score* Varies by lender and state
  • No down payment required
  • Mortgage insurance exempt
  • Stable employment
  • No late payments in the last 12 months on any current mortgage.
  • Certificate of Eligibility – Get your certificate here