VA Loan

VA Loan

January 5, 2014


VA requires a minimum credit score 500.

100% financing available for Veterans! The basic intention of the VA direct home loan program is to supply home financing to eligible veterans in areas where private financing is not generally available and to help veterans purchase properties with no down payment.

VA allows a borrower with a minimum credit score of 530 to buy a home with no money down. VA guidelines allows a borrower with a minimum credit score of 530 to buy a home using their own funds for closing cost or the closing costs funds can be a gift from a family member.

VA loan guidelines allows a home buyer with a minimum credit score of 530 up to a 4% seller's concession. The seller's concession must be written into the sales contract.

VA requires a minimum credit score of 530 for all loans. Home buyers with a credit score below 580 are not required to make a down payment. VA allows you be buy a house with a credit score of 530.

The maximum VA guarantee varies by county. As of 1 January 2012, the maximum loan amount with no down payment is $625,500, although this amount may rise to as much as $1,094,625 in certain specified high-cost counties.

VA also allows the seller to pay all of the veteran's closing costs as long as the costs do not exceed 4% of the sales price of the home.

By law, VA may only guarantee a loan when it is possible to determine that the veteran:

  • is a satisfactory credit risk
  • has present and anticipated income that bears a proper relation to the contemplated terms of repayment
  • verify a minimum of 2 years employment
  • Pay stubs covering at least the most recent 30-day period
  • W-2 forms for the previous 2 years
  • Telephone verification of the applicant’s current employment

Apply Now!

Call us 888.958.5382


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We look forward to working with you.



100% Financing Available For Veterans!


Apply Now!

VA Home Loan

  • No money down 100% financing
  • 530 minimum qualifying credit score
  • No credit scores are allowed
  • Owner Occupied Properties only
  • Lowest representative score from all borrowers will be used for qualification purposes

VA Home Loan

The VA requires a minimum credit score of 530

  • Purchase
  • Refinance
  • IRRRL Streamline

VA minimum

credit score 530

Call Now, Our Staff is Available

888-958-5382

Apply Now!