VA Loans
What is the minimum credit score for a VA loan?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
The VA itself sets no minimum credit score, but most lenders look for 580 to 620. Our VA programs work with scores starting around 580, and stronger credit earns a better rate.
Because the VA guarantee reduces lender risk, requirements are more flexible than conventional. If your score is on the edge, we'll find the lender overlay that fits and tell you whether a small bump helps your rate.
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