Can I get a VA loan with a 580 credit score?
It depends on the lender and the rest of your file. A 580 score does not guarantee approval or rule it out.
What this actually means.
Ask whether the lender accepts that score for the loan you need. Then ask which other requirements apply. Review your full credit and income picture before you make plans based on a score alone.
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.