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.