What’s the Minimum Credit Score for a VA Loan? It’s Probably Lower Than You Think.

Think your credit isn’t good enough to buy a home with a VA loan? You might be wrong, and that’s a good thing.

Here’s the truth: The VA doesn’t actually have a minimum credit score requirement. 

What matters more is how your lender interprets your overall credit history, income, and debt.

The Problem?

Most lenders add their own internal rules (called overlays), and that’s where the confusion starts.

Some lenders require a 640+ score.

Others won’t look at you unless you’re over 660.

Me? I can go as low as 580 in many cases and I actually look at the full picture, not just the number.

What Really Matters

• Are you making payments on time now?
• Have you taken steps to rebuild if you had past issues?
• Do you have stable income and manageable debt?

You Don’t Have to Be Perfect

VA loans are designed to help veterans and active-duty service members buy homes, even if their financial history isn’t spotless. Life happens. Deployments, transitions, medical events can all impact credit. That doesn’t mean you’re disqualified.

What You Need Is a Plan

Sometimes we can move forward right away.

Other times, it takes a few small steps to get you loan-ready. Either way, I’ll give it to you straight with no judgment, no fluff.

If you’ve been sitting on the sidelines because you think your credit score is too low, let’s talk. You might be a lot closer than you think.