620 Credit Score VA Loan
At 620 a VA loan is a comfortable approval with better pricing than the 580 floor, and still zero down.
By Onias Derilus, Mortgage Capital · NMLS# 1859012 · Last Updated: June 2026
A 620 credit score puts an eligible veteran comfortably above the common VA lender floor. You keep all the VA advantages — zero down, no monthly insurance — and your rate is better than it would be at 580. At 620 the question is no longer whether you qualify, it is locking the best terms.
Better Pricing Than the Floor
VA rates improve as the score climbs, and 620 prices better than 580 while keeping the same zero-down structure. For most veterans this is a smooth, low-friction approval.
If you are choosing between VA and conventional (now also available at 620), VA almost always wins for eligible borrowers because of the zero down and no monthly insurance. We confirm eligibility and lock the strongest VA terms.
| Factor | VA at a 620 Score |
|---|---|
| Down Payment | 0% |
| Monthly Insurance | None |
| Rate vs 580 | Better |
| Approval Odds | Comfortable |
620 Score VA Loan — FAQ
Yes, 620 is comfortably above the common VA lender floor and prices better than 580. You keep zero down and no monthly insurance, with a stronger rate. For eligible veterans, VA usually beats conventional even though both are available at 620.
Almost always VA. The zero down payment and lack of monthly mortgage insurance outweigh conventional in nearly every case for eligible borrowers. We compare them so you can see the difference in real numbers.
A VA Loan With a 620 Score?
Get matched to the right Florida loan for your score · Licensed FL mortgage broker NMLS# 1859012
Rates are illustrative only. APR and payments vary by credit score, loan amount, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.