VA Home Loan
580 FICO
Credit Score

Have you been turned down for a VA loan with a credit score of 580 or less? Most lenders require a minimum credit score of 620 or even 640, but don't lose hope. A VA loan with a lower credit score may be possible. Call or apply now to see if you qualify.

How Do Credit Scores Affect VA Loan Approval?

All of your debt and credit history information is used to create your credit score. A lower score usually means more problems with your credit history compared to others in the United States. A low credit score can be hard to handle for many VA lenders.

Can You Get A VA Loan With A 580 Credit Score?

Some Veterans think they will never qualify for a VA loan because of a low credit score. It is true that many lenders have strict credit score requirements. However, not all VA lenders are the same. Veterans Own Mortgage may be able to help Veterans with credit scores as low as 580.

What Is A VA Loan?

A VA loan is a mortgage loan in the United States guaranteed by the U.S. Department of Veterans Affairs. VA loans are issued by private lenders, such as banks and mortgage companies. The VA loan program was designed to offer long term financing to eligible American veterans or their surviving spouses.

VA Loans & Low Credit Scores

The VA does not set a minimum credit score requirement for VA loans. However, most VA lenders do have their own minimum credit score requirements. Veterans Own Mortgage may be able to approve VA loans for Veterans with credit scores as low as 580. Call us today to find out if you qualify.

How To Apply For A VA Loan With A 580 Credit Score

Applying for a VA loan with a 580 credit score starts with a call or application to Veterans Own Mortgage. Our VA loan specialists will review your situation and help determine the best path forward. There is no obligation and no hard credit check required to get started.