What Credit Score Do You Need for a VA Home Loan?

Confused about whether your credit score is “good enough” for a VA loan? You’re not alone. Many veterans and military families worry about their eligibility due to outdated information or inconsistent advice. The truth is—your credit score matters, but it’s not the whole story.

This guide breaks down everything you need to know about VA loan credit score requirements in 2025, with practical advice and insider tips to help you qualify confidently. Whether you’re rebuilding after tough times or just want the best rate possible, this article covers it all.

Key Takeaways:

• The VA itself doesn’t set a minimum credit score—lenders do.
• Most VA-approved lenders look for a score of 620+, but lower scores may still qualify.
• Strong residual income and clean financials can outweigh a lower score.
• Manual underwriting and non-traditional credit are options for some borrowers.
• Improving your credit beforehand can open better terms and faster closings.

Does the VA Set a Minimum Credit Score?

Short answer: No. The U.S. Department of Veterans Affairs does not impose a minimum credit score requirement for VA home loans.

According to VA Pamphlet 26-7 (Chapter 4, Section 5), lenders are directed to consider the borrower’s full financial picture—not just their credit number.

"The VA does not require a minimum credit score. Lenders must review the entire loan file and determine if the applicant’s credit history and income are satisfactory."

But here’s the catch: Private lenders (who fund VA loans) often set their minimum credit score requirements. These are called "lender overlays."

Typical Credit Score Ranges for VA Lenders

Most VA lenders look for at least a 620 FICO score. However, there’s flexibility:

• 620–639: Often accepted with strong income and low debt
• 640–679: Typical approval range with standard rates
• 680+: Can open doors to faster closings and better pricing
• Below 620: May still qualify through manual underwriting or specialty lenders.

Pro Tip: If your score is under 640, having a clean LES (Leave and Earnings Statement), steady job, or military pension can help balance things out.

What Affects Your Credit Score the Most?

To increase your odds of qualifying, understand what shapes your score:

• Payment History (35%) – Pay on time. Missed payments are major red flags.
• Credit Utilization (30%) – Keep balances under 30% of your credit limits.
• Credit Age (15%) – The longer you’ve had accounts, the better.
• New Credit (10%) – Avoid opening too many new accounts at once.
• Credit Mix (10%) – A mix of revolving (cards) and installment (loans) helps.

Can You Get a VA Loan with Bad Credit?

Yes—you often can, especially with a strong overall application. VA loans are designed to be inclusive.

Manual underwriting is key here. Instead of relying only on automated systems, underwriters examine your:

• Income and employment consistency
• Debt-to-income ratio (DTI)
• Residual income (money left after bills)
• Assets or savings

Pro Tip: If your score is below 620, connect with a VA-savvy lender who specializes in manual underwrites—like Be My Neighbor Mortgage, we help veterans get approved when others say no.

Credit Traps That Can Delay or Deny Your VA Loan

Heads up—avoid these credit pitfalls:

• Recent late payments or collections
• High credit card balances
• Multiple recent credit inquiries
• Unresolved charge-offs
  

Even if you’ve just cleaned up your credit, lenders will want documentation.

Steps to Boost Your Score Before Applying

Improving your credit doesn’t have to take forever. Here’s how to get started:

1. Get your free report: Visit AnnualCreditReport.com to review your credit.
2. Dispute errors: Correct any inaccurate data.
3. Paydown cards: Focus on high-utilization accounts.
4. Pause new applications: Avoid hard pulls 90 days before applying.
5. Ask a lender: Get a custom credit review from a VA loan expert.

What Documents Do You Need to Apply for a VA Loan?

Here’s what lenders usually ask for:

• 2–3 months of LES (Leave and Earnings Statement)
• Recent pay stubs or proof of military income
• Bank statements (checking/savings)
• Certificate of Eligibility (COE)
• Statement of Service (if active duty)

Pro Tip: Get pre-qualified with a lender before house hunting to avoid surprises.

Your VA Loan Is Closer Than You Think

You’ve served—now your benefits should work for you. Credit score isn’t the only factor in getting approved for a VA loan. With the right lender and prep, even lower scores don’t have to stop you.

At Be My Neighbor, we specialize in matching military buyers with VA-friendly lenders who look beyond the score. We understand your service and your goals.

reAlpha takes things even further. As a commission-free homebuying platform, reAlpha connects you with listings, insights, and AI tools to streamline your journey. It’s homebuying built for veterans, with zero pressure and no hidden fees.

Ready to explore your options? Let’s get your preapproval and pair you with a lender who truly serves your interests.

FAQs: VA Loan Credit Questions

Can I get a VA loan with no credit score?

‍Yes. Some lenders use non-traditional credit (like rent and utilities) to qualify you.

Can my spouse co-sign if I have low credit?

‍Yes—if your spouse is eligible under VA rules, their credit can help.

Will applying for a VA loan hurt my credit?

‍Only slightly and temporarily. In the long run, making mortgage payments can improve your score.

Do lenders have different credit requirements?

‍Absolutely. That’s why comparing lenders is crucial—some are more flexible than others.

Disclosures:

• Loan approvals depend on a complete financial review, not just credit score.
• Terms, rates, and conditions vary by lender.
• Be My Neighbor Mortgage, LLC | NMLS #1743790 | Equal Housing Lender.
• This content is for informational purposes and not financial advice.

reAlpha and Be My Neighbor are partners in homeownership innovation.