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.
Lender-set minimums
The VA itself has no minimum score, but lenders usually want around 580 to 620. Our VA programs accept scores as low as 580 with a solid overall file.
A higher score can earn a better rate, though VA rates are already among the lowest available.
More than the score
Underwriters also weigh your income stability, recent payment history, and residual income. Strength in those areas can offset a lower score.
We know how to present a VA file for approval. Reach out and we will see what you qualify for.