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.
No official VA minimum
The VA sets no official minimum credit score. Lenders set their own, and many look for around 580 to 620. Our VA programs work with scores as low as 580.
Because the VA backs the loan, lenders can be flexible when the rest of your file is strong.
Strengthening your file
Steady income, a clean recent payment history, and manageable debt help you qualify even at a lower score. Residual income also matters on VA loans.
We help veterans qualify at lower scores. Reach out and we will review your VA options.