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credit score needed for VA jumbo loan?

by waltermnewman90344 from Curtisville, Pennsylvania. Jun 25th 2015 Reply

William J Acres (William_Acres)
#73 ranked lender in Arizona - 8,727 contributions

VA does not have a minimum credit score requirement, but VA does not lend money.. they only insure loans against default.. the lenders, or those with the $$$, will oftentimes have their own rules above what VA calls for.. it's these "Overlays" that very from one lender to another.. Most lenders will require a 640 to 660 or above to qualify.. there are a hand full of lenders who will go 600 to 620, but that's the lowest I've seen. The best advice I can give you is to contact a LOCAL mortgage broker and apply with them. Once they see your complete loan profile, they will be better equipped to advise you properly. Also, by applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with many lenders with each one offering a different type of lending program. This is unlike the local bank which typically only has a few lending programs. The more lenders, the more lending options, and the more likely your scenario will be accepted.. Plus, the broker is experienced in seeking out the best loan terms for your particular scenario, and he has lower overhead which typically results in lower rates and fees than most of the larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714

Jun 25th 2015
John A Soricelli Jr (John A Soricelli Jr)
#166 ranked lender in California - 151 contributions

Our lowest FICO/ Credit Score for a VA loan is 560 at 100% financing. We lend in California and specialize in Jumbo VA Loans. We function as both a direct lender and broker with over 75 different investors. If there is a loan program available we have it. Please feel free to call me at 949-478-3863 or visit our website at

Jun 25th 2015
Sean Young (SeanYoung)
#2 ranked lender in Colorado - 1,112 contributions

Lenders will typically want 620 or higher for a VA loan. Won't matter if it's a Jumbo or not usually. There are some lenders who can go down even further but remember no matter what score the lender will go down to, they still have to approved your overall credit regardless of your score. It is best to speak with a local loan officer and have them review your information so they can best answer your questions and present you with all of your available options. Best wishes, Sean

Jun 28th 2015
Corey Gee (
#93 ranked lender in Pennsylvania - 20 contributions

I am happy to help you work through this. We have access to a lot of VA programs. Please feel free to give me a call. 888-496-7291 or you can email me at We are located in Conshohocken PA. I look forward to working with you.

Jun 29th 2015
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