What are VA loan requirements?
VA requirements have two layers: benefit and property rules, plus the lender's credit and income underwriting. The COE, primary-residence occupancy and an acceptable VA appraisal do not replace review of credit, reliable income, debts, residual income, assets and lender overlays.
What this actually means.
The VA layer includes eligible service confirmed through the COE, acceptable occupancy and a property that meets VA value and minimum-property requirements. The lender separately evaluates credit history, stable and likely-to-continue income, debt-to-income, residual income, assets and the complete transaction. VA does not publish one minimum credit score or require every borrower to have two years on the same job; lenders may add stricter overlays.
What this looks like on a real file.
Where this can move.
Service-history records, character-of-discharge review, and surviving-spouse DIC determinations can change VA eligibility. Lender overlays may add to VA's rules.
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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.