What credit score do I need for a VA loan?
VA does not set a minimum credit score. Lenders can set their own rules. Your score is one part of the review.
What this actually means.
Ask the lender which score it requires and what else it checks. A score alone cannot tell you whether the loan will be approved. The lender also reviews your credit history, income, debts and assets.
What this looks like on a real file.
Where this can move.
Lender overlays vary widely. Recent late payments, collections, disputed accounts, and bankruptcy/foreclosure seasoning can change the answer.
The cleanest action from here.
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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.