What is the Minimum Credit Score for a VA Loan?

If you’re looking to take out a VA loan, you might be wondering what the minimum credit score is. Here’s what you need to know.

Checkout this video:


If you’re a veteran or active duty service member, you may be eligible for a VA loan. VA loans are government-backed loans available to help veterans and active duty service members finance the purchase of a home. One of the benefits of a VA loan is that there is no minimum credit score required to qualify. However, lenders may still have their own credit score requirements. This means that even if you don’t have a minimum credit score, you may still need to meet other requirements to qualify for a VA loan.

What is a VA Loan?

A VA loan is a mortgage that is guaranteed by the U.S. Department of Veterans Affairs (VA). These loans are available to active-duty service members, veterans and their surviving spouses, and are intended to help them finance the purchase of a home. The VA does not lend money for these loans, but instead guarantees a portion of the loan, which protects the lender from losses if the borrower defaults.

Who is Eligible for a VA Loan?

VA loans are available to eligible veterans, active duty service members, reservists, and eligible surviving spouses. To be eligible for a VA loan, you must have served on active military duty or have been a reservist for a minimum of 90 days during wartime or 180 days during peacetime. You must also have a satisfactory credit history and meet certain income requirements.

There is no minimum credit score requirement for VA loans, but lenders typically require a minimum credit score of 620. To get the best terms on a VA loan, it’s recommended that borrowers have a credit score of 720 or higher.

The Minimum Credit Score for a VA Loan

There is no set minimum credit score for a VA loan, though most lenders require a score of at least 620. Higher scores may get you a better interest rate, and lower scores could result in a higher rate or may require you to put down a larger down payment.

How to Improve Your Credit Score

If your credit score is below 620, you may have difficulty securing a VA loan. In fact, you may not even be able to qualify for a traditional mortgage. Thankfully, there are steps you can take to improve your credit score and make yourself a more attractive candidate for a VA loan.

One of the most important things you can do is to make all of your payments on time. This includes not just your mortgage payments but also your credit card bills, utility bills, and any other type of recurring payment. You should also try to keep your credit card balances low, as high balances can ding your score.

You can also try to get negative items removed from your credit report. If you have unpaid debts that have gone to collections, you can try negotiate with the collection agency to have the debt removed in exchange for payment. You can also file a dispute with the credit bureaus if you believe there are errors on your report.

Improving your credit score takes time, but it’s worth it if it means you’ll be able to get a VA loan. Just remember to be patient and consistent in your efforts, and eventually, you should see results.


So what is the minimum credit score for a VA loan? The answer is that there is no minimum credit score required to obtain a VA loan. However, lenders may have their own guidelines and requirements, so it’s always a good idea to check with your lender before applying for a VA loan.

Similar Posts