Can I get a VA loan with a 580 credit score?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
Yes. While the VA sets no minimum score, many lenders approve VA loans at 580. Our VA programs work in that range with documented income and an acceptable recent payment history.
Higher credit earns a lower rate, so we'll also tell you whether a small bump is worth waiting for. Either way, 580 keeps the VA door open.
Yes, 580 works
Yes. Many VA lenders, including us, work with credit scores as low as 580. Since the VA sets no official minimum, we can be flexible when your income and payment history are solid.
That makes VA loans one of the most accessible options for veterans rebuilding credit.
Making it work
At 580, a clean recent payment record and steady income strengthen your file. Meeting the VA residual income guideline also helps.
We specialize in VA approvals at lower scores. Apply now and we will see what you qualify for.