Credit Score to Qualify For VA Loan
Credit Score to Qualify For VA Loan

This page will help you with understanding the credit score to qualify for a VA Loan and how we've helped dozens of low credit score VA buyers acheive their dream of homeownerhip.

Are you curious about the credit score to qualify for a VA loan?

Are you wondering which lenders will help you to get a low credit VA loan?

Do you want to know which lender would work best for you?

If so, you have landed on the right page! For decades, we have been successfully pairing the right lenders to fit the individual circumstances of our VA clients to help them with the credit score to qualify for a VA loan. 

This page will help you with understanding the credit score to qualify for a VA loan and how we've helped dozens of low credit score VA buyers acheive their dream of homeownerhip.

WE KNOW THE LENDERS...

and, just like real estate brokers, THEY'RE NOT ALL THE SAME!

black board with five stars on it hanging on a wall to grant approval for a low credit va loan

Christina has become a proud homeowner because her low credit VA home loans application was approved!

"We would give Cory and WEBREALTY 10 stars if possible. They knew tricks of the trade that were essential in finally closing on our home. Cory went above and beyond in what must have been the most complicated purchase ever, taking almost five months from the offer to close. Cory was there for us throughout the process, allowing us peace of mind. - Christina & Ryan Wray"

"We love helping VA buyers achieve their dream of homeownership when they didn't think they could purchase because of their credit score.

Cory Burger
Young couple and children standing in front of their new home after they reacned the needed credit score to qualify for a VA loan.

Are you curious as to how to go about getting the credit score to qualify for a VA loan?

Are you wondering how to get the credit needed for a VA home loan and which lenders offer these types of loans?

Do you want to know which lender would work best to help you get the credit needed for a VA home loan?

If so, you have definitely landed on the right page! For decades, we have been successfully pairing the right lenders to fit the individual circumstances of our VA clients who need help with the credit needed for a VA home loan. 

VA Loan Credit Guidelines

"This is my second time working with Cory and of course it was the best experience. Cory has awesome attention to detail so when you tell him what you are looking for, he will absolutely cater to you.

Any questions you could possibly have he will educate you so that you feel confident in what you are doing. Cory is such a compassionate person that at no point did I feel like I was alone during the whole house buying process. Thank you Cory!"

An Introduction

About VA Loans and Credit Scores

woman holding an iphone horizontally with an image of five stars on it.

Jean and her family are ecstatic that they now own their own home. They achieved the credit score to qualify for a VA loan when the lender lowered the required score.

"Cory Burger, you are the man! He is Very professional and responsive. I wish I could give you more than five stars because your work ethic and customer service are top-notch. Thank you, my man!"
woman holding an iphone horizontally with an image of five stars on it.

Jean and her family finally own their own home because the standard required minimum credit score for a VA mortgage was relaxed.

"Cory Burger, you are the man! He is Very professional and responsive. I wish I could give you more than five stars because your work ethic and customer service are top-notch. Thank you, my man!"

"Buying a home is the most financially prudent move you will ever make!"

Let's help you get the credit score to qualify for a VA loan and make you a homeowner!

LIFE LONG FINANCIAL FREEDOM with the credit score needed for a va home loan...

click the $ symbol

LIFe LONG FINANCIAL FREEDOM with the credit score needed for a va home loan...

touch the $ symbol

An Introduction

About Credit Scores

"Having the credit needed for a VA home loan and achieving homeownership is indeed the most financially prudent move you will ever make!"

a black backgroud, white frame, and an image of Cory Burger on it. Above the frame is a horizontal row of five stars signifying success in applying for a low credit va loan.

David Ramirez is ecstatic about becoming a homeowner. He attributes it directly to the relaxed credit score guidelines.

"WEBREALTY TEAM knocked it out of the park on this one! Specifically our agent, Cory Burger! Cory and his team demonstrated trust and confidence while being relatable to my wife and me. We purchased a home in central WA while Cory handled things in the Olympia area. That lets you know how confident Cory made us feel. We got the deal done in under 9 Days! We would do this three times over! Thanks, WEBREALTY Team, and most importantly, THANK YOU CORY!"
a black backgroud, white frame, and an image of Cory Burger on it. Above the frame is a horizontal row of five stars signifying success in applying for a low credit va loan.

David Ramirez is ecstatic about becoming a homeowner. He attributes it directly to the relaxed credit score guidelines.

"WEBREALTY TEAM knocked it out of the park on this one! Specifically our agent, Cory Burger! Cory and his team demonstrated trust and confidence while being relatable to my wife and me. We purchased a home in central WA while Cory handled things in the Olympia area. That lets you know how confident Cory made us feel. We got the deal done in under 9 Days! We would do this three times over! Thanks, WEBREALTY Team, and most importantly, THANK YOU CORY!"

Getting the credit score to qualify for a VA loan is surely the best opportunity to becoming a homeowner. Click the button most closely representing your credit score.

NOTE: If you don't know your score, CreditKarma.com will give you a consumer score. If they give you two, then just average them. This will assist in determining the credit needed for a VA home loan.

Charles Grissom is especially excited to be in his new home. This results from a reduced credit score compared to most lenders' requirements for a VA home loan.

"Cory Burger and his associates are the very best team of Realtors. Cory is a fun, personal guy who makes you feel like you are house-hunting with a good family friend. Within two weeks, Cory found us a home that perfectly fit both our budget and our family's needs. I can't express our gratitude to WEBREALTY enough, but I will seek his services again when we decide to sell our home."
Happy couple with keys after achieving the credit score to qualify for a VA loan.

The Credit Score to Qualify For a VA Loan

Understanding Minimum VA Loan Credit Score

"Buying a house is certainly a big decision, and understanding the mortgage process can be overwhelming. If you're a veteran currently serving in the military, then you might be thinking about applying for a VA home loan because of its benefits. What is the required credit score to qualify for a VA loan? Let's explore all the details about the credit requirements for a VA home loan."

What Exactly is a VA Home Loan?

A VA home loan is mortgage lender provided and guaranteed by the U.S. Department of Veterans Affairs (VA). It particularly aims to help make the credit needed for a VA home loan more attainable for veterans, active-duty service members, and qualifying surviving spouses. The VA loan stands out due to its interest rates, absence of payment requirements, and exemption from private mortgage insurance (PMI). 

The Importance of the Credit Score Needed For a VA Home Loan

The credit needed for a VA home loan plays a significant role in securing a mortgage. It showcases your creditworthiness and informs lenders about your likelihood to repay your debts. Regarding a VA home loan, your credit score cannot impact your eligibility, but certainly, the interest rates offered.

Minimum Credit Needed for a VA Home Loan

While the VA has no minimum credit score requirement for VA loans, most lenders establish their criteria. Generally, lenders look for credit needed for a VA home loan with scores above 620. Nevertheless, some lenders may consider applicants with lower scores, especially if they have work histories or significant savings.

Factors That Impact The Credit Score to Qualify For a VA Loan

Your credit score is markedly affected by a variety of factors.

1. Payment History: Making payments on time can unquestionably improve your score, while late or missed payments can have an impact.
2. Credit Utilization: This is the ratio of the credit you use compared to your credit. Lower utilization rates are particularly better for your score.
3. Length of Credit History: A more extended credit history overall enhances your score.
4. Types of Credit: Mixing up credit types like credit cards, auto loans, and mortgages can significantly influence the credit score needed for a VA loan.
5. Recent Inquiries: Having many recent credit inquiries can consequently lower your score.

Typically, the credit needed for a VA home loan should report a credit score above 620.

Tips for Enhancing Your Credit Needed for a VA Home Loan

If you check in on your credit needed for a VA home loan, and it is below the threshold, definitely don't lose hope. There are strategies you can use to increase it;

1. Pay Bills on Time: Pay all of your bills promptly. Setting up payments can be especially beneficial.
2. Reduce Debt: Decreasing your credit card balances can certainly enhance your credit utilization ratio. This can consequently free up the credit needed for a VA home loan.
3. Review for Errors: Regularly check your credit report for inaccuracies. Dispute them if needed
4. Avoid New Credit: Certainly avoid opening another credit account or making purchases on credit near your loan application date.
5. Consider a Secured Credit Card: If you're having trouble getting approved for credit, a secured credit card can certainly help rebuild your credit and increase the probability of obtaining a low-credit VA Loan.

The Advantages of getting the credit needed for a VA Home Loan

Understanding the credit needed for a VA home loan is one aspect to consider. Here are some key benefits that explicitly make VA home loans an appealing choice;

1. Down Payment: Unlike loans, VA loans typically do not necessitate a payment.
2. No PMI; VA loans do not mandate mortgage insurance, consequently saving you hundreds of dollars annually.
3. Interest Rates: VA loans often offer better interest rates than conventional loans.
4. Flexible Credit Requirements: While lenders establish their criteria for the credit needed for a VA home loan, they generally exhibit flexibility. 

If you're considering selling your home, know that VA loans allow for the transfer to another borrower. A VA home loan can certainly make a difference for veterans and active-duty service members in the market for a home. Lenders generally have varying credit score requirements pertaining to the credit needed for a VA home loan. 

It's essential to grasp the guidelines and strive to boost your credit score to increase your approval odds. Remember the perks of a VA home loan—no down payment needed, no PMI, and competitive interest rates—which unquestionably make it a worthwhile endeavor. Ready to embark on the journey to homeownership? Explore how to get the credit needed for a VA home loan and how it can benefit you. Kickstart your application today!

A hand coming in from the left and laying down the last star of five stars signifying success in getting a low credit va loan

Lonnie is excited to announce they are now homeowners because of the reduced credit score requirement.

"Cory Burger is super legit. I love that he helped my family and got us into our new home in Yelm. I will always refer him to my military buddies and friends in the local area. His communication is top-notch, and his knowledge is amazing, too. I can call Cory anytime, night or day, and he will help me with further questions or concerns. I owe you and your family dinner and cannot repay you enough. If you aren't giving Cory your business, you're wrong!"
A hand coming in from the left and laying down the last star of five stars signifying success in getting a low credit va loan

Lonnie is excited to announce they are now homeowners because of the reduced credit score requirement.

"Cory Burger is super legit. I love that he helped my family and got us into our new home in Yelm. I will always refer him to my military buddies and friends in the local area. His communication is top-notch, and his knowledge is amazing, too. I can call Cory anytime, night or day, and he will help me with further questions or concerns. I owe you and your family dinner and cannot repay you enough. If you aren't giving Cory your business, you're wrong!"

Wouldn't you like to know if you are a candidate who has the credit score to qualify for a VA home loan?

It all starts with selecting your corresponding button.

black board with five stars on it hanging on a wall to grant approval for a low credit va loan

Christina has become a proud homeowner because her VA loan and credit score requirements were relaxed.

"We would give Cory and WEBREALTY 10 stars if possible. They knew tricks of the trade that were essential in finally closing on our home. Cory went above and beyond in what must have been the most complicated purchase ever, taking almost five months from the offer to close. Cory was there for us throughout the process, allowing us peace of mind. - Christina & Ryan Wray"

To read more client comments, click below.