Can I get a VA loan with a 580 credit score?
Often yes — 580 is the common lender floor for streamlined VA underwriting, though some lenders go lower with manual underwriting. Below 580, expect stricter underwriting and fewer lender choices.
What this actually means.
Lender overlays drive the answer at the low-credit end. Some VA channels stop at 620; broker channels often have lenders down to 580 and a few below. Manual underwriting at sub-580 looks closely at residual income, DTI, recent payment history (12+ months clean is meaningful), and reserves. Subject to lender overlays.
Where this can move.
Lender overlays vary widely. Recent late payments, collections, disputed accounts, and bankruptcy/foreclosure seasoning can change the answer.
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Educational only. VA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review. Mortgage Expert, Inc. is not affiliated with the VA, HUD, or any government agency.