Bad credit does not automatically end a VA loan. This page is the signpost: start with the general VA loan guide if you are new to the program, then follow the link for your state below for the local version.
Pick your state to see the lender overlays I run into there and real files from that state.
Do not see your state? Between my own licenses and Edge Home Finance corporate referral I can help in every state except New York, so ask me directly.
Take the 30 second mortgage quiz to see if you qualify
The VA handbook now counts an unpaid non-medical collection at 5% of the balance divided by 12 months. A $10,000 collection drops from $500 to about $42.
Late payments don’t automatically disqualify you from a VA loan, but recency matters. Learn what VA underwriters look for and how the 12-month payment window affects your approval chances.
VA loans do not allow traditional co-signers, but veterans with bad credit still have options. Learn what actually works, including adding a spouse, manual underwriting, and finding the right lender.
The VA has no minimum credit score, but individual lenders set their own limits. Learn the real score requirements and how manual underwriting can help veterans with lower credit get approved.
The VA has no minimum credit score for a VA loan. Most lenders require 620, but some work with scores as low as 500 through manual underwriting. Here is what you need to know.
Getting denied for a VA loan by one lender does not mean every lender will say no. Each lender sets its own overlays on top of VA guidelines, and a different lender may approve the same file.
Compensating factors can help borderline VA loan applications, but the VA Handbook is clear that they cannot overcome unsatisfactory credit. Learn what actually counts and when these factors matter.
Bad Credit VA Loan…All Your Questions Answered Frequently Asked Questions What is a minimum credit score to get a VA home loan? What are lender
How to Get a VA Home Loan With Bad Credit in 2026 https://www.youtube.com/watch?v=LsbQYUyQlbU&t=106s Key Takeaways A VA loan can be one of the best options
The Unusual VA (and FHA) Loan Qualification Rule After A Business Bankruptcy Summary: If you’ve experienced a business bankruptcy and are looking to buy a
How You Become a Mortgage Trigger Lead and Tips on How to Stop It Guest post by Sam Parker at MyCreditGuy Table of Contents Key
Letter of Explanation…..Your Key To VA Home Loan Approval Table of Contents Key Takeaways Introduction Why a Letter of Explanation Matters Understanding Manual Underwriting Extenuating
The Truth About Bad Credit and VA Loans When it comes to VA loans and bad credit, there are a lot of myths and misconceptions
Breaking…..How The Government Freeze Will Affect VA Home Loans Table of Contents Key Takeaways Understanding the Recent Government Funding Freeze What This Means for Current
Paying Off Collections and Why It Can Hurt You Guest post by My Credit Guy Table of Contents Key Takeaways Introduction Why Paying
