Getting a VA Loan with Bad Credit

One of the more frequent questions we get is can someone get a Veteran Affairs home loan with bad credit.  Although the VA guidelines do not have a minimum score, the reality these days is the lenders who issue the loans do have minimum score criteria.  There are a few that will go as low as 580, some to 600 and many set the bar at a 620 FICO score.  The guidelines also require lenders to review your recent credit history over the past 12 months; so if there are some items on your credit that don’t belong there you’ll want to get them removed. Here is what you can do if your score needs improving:

1)      Use a trustworthy credit repair service:

Just a 5-10 point improvement in your score can make the difference for a loan approval or a lower rate.  There are many unreputable credit repair companies that don’t really do much to help improve your score.  Make sure you do your research to find a good reputable credit repair company.

2) Know and Protect Your Credit Score

In order to get pre-qualified for a VA Loan a credit report will be required.  Experian offers a free credit report and monitoring services. We highly recommend credit monitoring, it’s like an alarm system for your credit!  For a low monthly fee any, any inquiry or significant change to your credit will be detected and you’ll be alerted immediately. Go to to obtain your free credit report. is not a government agency website or affiliated with the Department of Veterans Affairs. has relationships with VA Loan Specialists who work for VA approved lenders. may share your information with these trusted affiliates in order to assist you.