VA Loan

VA loan


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 500 to buy a home with no money down. VA guidelines allows a borrower with a minimum credit score of 500 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 500 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 500 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 500.

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

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