Minimum Credit Score to Get a VA Loan
Minimum Credit Score to Get a VA Loan

Firstly, this page will help you understand the minimum credit score to get a VA loan. Additionally, you can read reviews from numerous low credit score VA buyers whom we assisted in achieving their dream of homeownership.

Are you wanting to learn more about the minimum credit score to get a VA loan?

Are you wondering which lenders offer these types of loans?

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's credit score for a VA Home Loan. 

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 indeed become a proud homeowner because the minimum credit score for a VA mortgage was reduced for her.

"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 family in front of home after reaching the minimum credit score to get a va loan.

Are you wanting to learn more about the minimum credit score to get 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. 

family had the minimum credit score to get a VA loan

"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 finally own their own home because the minimum credit score to get a VA loan was reduced for them.

"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 minimum credit score for a VA mortgage was reduced for them.

"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 with a minimum credit score to get a VA loan and make you a homeowner!

LIFe LONG FINANCIAL FREEDOM...

LIFE-LONG FINANCIAL FREEDOM with the minimum credit score to get a VA loan...

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An Introduction

About Credit Scores

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

Obtaining The Minimum Credit Score to Get a VA Loan consequently can Lead to Long-Term Financial Freedom ...

touch the $ symbol

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 needed for a VA home 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 Minimum Credit Score to Get a VA Loan

Minimum Credit Score to Get a VA Loan

What's the Minimum Credit Score to Get a VA Loan?

A VA loan can be an option for veterans and active duty service members looking to purchase a home. These loans, backed by the U.S. Department of Veterans Affairs, come with benefits such as no down payment and competitive interest rates. When it comes to your credit score, what’s the minimum credit score to get a  VA loan?

Why Your Credit Score is Important

Your credit score represents how reliable you are when borrowing money. Lenders use this score to evaluate the level of risk involved in lending you funds to buy a house. A high credit score typically indicates that you pose less risk to lenders, potentially leading to more favorable loan terms and lower interest rates.

The Role of Credit Scores in VA Loans

Although VA loans tend to be more lenient than most other home loan types, your credit score still plays a role in the approval process.

Minimum Credit Score for VA Loans

One distinctive feature of VA loans is that there isn’t a credit score set by the Department of Veterans Affairs itself. Instead, individual lenders who provide these loans determine what credit score they require from borrowers. Therefore, the minimum credit score needed can differ from lender to lender.

Lender Requirements Overview

Most lenders typically seek a credit score ranging from 620 to 640, although some may occasionally consider approving a VA loan application with a score of 580 or even less. While securing approval with a lower score is feasible, having a higher credit rating generally streamlines the process and may lead to more favorable loan terms.

Reasons Behind Stringent Lender Criteria

Lenders establish their baseline credit score requirements as a risk management strategy. Individuals with lower credit scores are often perceived as having higher risks, thus increasing the likelihood of loan default. By imposing credit score thresholds, lenders aim to mitigate the potential for defaults.

Tips for Boosting Your Credit Score

If your current credit score falls short of the typical minimum credit score to obtain a VA loan, there are steps you can take to enhance it;

 Punctual Bill Payments: Ensuring timely payments is essential for preserving and enhancing your credit standing.

 Debt Reduction: Decreasing your Debt-to-income ratio can impact your creditworthiness.

 Credit Report Review: Regularly checking your credit report for inaccuracies that might negatively affect your score is crucial.

Refrain from applying for credit, as each new application may decrease your credit score. Only pursue credit if necessary.

The Advantages of Having a Higher Credit Score Are Plentiful

 Lower Interest Rates: A higher credit score often qualifies you for reduced interest rates, potentially saving you money over the loan duration.

 Streamlined Approval Process: A higher score makes you more appealing to lenders, thus expediting the approval process.

 Enhanced Negotiating Power: With a higher credit score, you have bargaining leverage to secure more favorable loan terms.

To Sum Up

If you are contemplating buying a home with a VA loan, but your score is less than the generally accepted minimum credit score to get a VA loan, you still may have options. We know lenders who are far more flexible than the norm. You may still have some work to do, but if you fill out our short form, we can counsel you on which lender may be best for your situation. Our goal is to make your dream of owning a home a reality.

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 for a low credit va loan?

It all starts with selecting your corresponding button, above.

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.