VA Loans
What credit score do I need for a VA loan?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
The VA sets no minimum, but most lenders want roughly 580 to 620. Our VA programs work with scores starting near 580, and higher credit earns a lower rate.
Because the VA guarantee lowers lender risk, credit requirements are more relaxed than conventional. We'll find the right lender fit for your score.
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