Are you referring to using non-traditional credit? I have several lenders that are VA based. Depending on what type of credit you have and your FICO score, then that decides which lender to use. Why do I have several different lenders that do VA? It's due to no two people are exactly the same. I have a few that go below the standard 620 FICO score. Not knowing what you mean exactly, I can't answer your question completely. If you would like to ask more questions, you can contact me at email@example.com or call 1-800-681-2353.
Thanks and Have a Great Monday!
Sera M. Smith