Hello,

My name is Jake Johnson and I work with one of the largest nationwide bankers (not a broker) in the country. Our company will do VA loans down to 500 credit scores. My email is jjohnson@lendamerica.com.

I have a lender with no minimum Fico score for VA loans. Please give me a call and I will get you their number.

David Cruickshank
Ardain Mortgage Corp
847-354-5455
davidc@ardain.com

You're going to need at least a 580 credit score in order to qualifed. Take a look at what's currently causing your score to be where they are and try to pay some of them off.

Work on raising your credit score. VA loans are among the most forgiving that are available today, but I don't know of anyone approving them with a 540 credit score. Start by getting a copy of your credit report and challenging everything that's bad. Credit repair takes time, so don't drag your feet.