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How To Qualify For A VA Loan with Challenged Credit

Every lender is different, and there are many details to qualifying for a VA loan, however, here are the major requirements:

  • Minimum 580 FICO score
  • If Foreclosure, Short Sale or BK - at least 2 years in the past
  • Collections subject to underwriter discretion
  • If FICO score below 620, have 3 month's reserves in the bank
  • Max DTI of 41% with credit score below 620
  • No down payment required, VA funding fee waived if on disability
  • Certificate of Eligibility Required
  • Other Documents: One month's paystubs, two year's W2s, two month's bank statements, copy of driver's license

It is an honor to work for our armed forces and those who have served our nation. You can reach me with any further questions at 949.667.2887 or email

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