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Credit scores for a VA loan

I am located in TX, and this is my first time buying a home, I have had credit problems in the past, they are still on my report but I have paid them off and have improved my credit to 630-650, I have a stable income as well. Would these scores be good enough to be approved for a VA loan? by tim.rei825 from Allen, Texas. Oct 8th 2015 Reply


Brian Striegold (BrianNRL)
#166 ranked lender in Texas - 22 contributions

yes! please call me at 281-833-9424 NRL Mortgage

Oct 8th 2015
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Cody Velkovich (Cody_NRL)
#167 ranked lender in Texas - 87 contributions

Thanks for the question, Tim. And yes, the scores would fit into our VA guidelines. If you'd like to go ahead and get pre-qualified, feel free to reach out to me on the contact info in my profile and I can get you set up.

Oct 8th 2015
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Gilbert Barteau (gbarteau)
#104 ranked lender in Texas - 41 contributions

Scores in the 630 to 650 range should qualify you for a VA loan. A lender will need to review the entire credit report, but your scores are in an acceptable range. If you would like a free rate & closing cost quote, call or e-mail me. I'm in Dallas, and we are a leader in low cost VA loans in the state. gbarteau@americashloans.com 214.360.9991.

Oct 8th 2015
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Derick Condron (rightstartoregon)
#33 ranked lender in Oregon - 597 contributions

It will depend on the lender but that should get you in the door for a VA loan with most.

Oct 8th 2015
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William J Acres (William_Acres)
#2 ranked lender in Arizona - 7,797 contributions

Every lender is different, which is why it's advisable to use a mortgage broker vs. a bank.. Brokers have access to numerous lenders (i have 21) with each lender offering a different lending program.. the more lenders the more lending programs and the more likely your loan scenario will be accepted. But in general, yes.. if your mid scores are over 620, then that will work for a lot of lenders.. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com NMLS# 226347

Oct 9th 2015
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Joe Metzler (JoeMetzler)
#1 ranked lender in Minnesota - 3,446 contributions

Generally speaking, a credit score of over 620 will get you a loan... But remember, credit score alone does not make for a loan approval...

Oct 10th 2015
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