Are there any lenders that will do a VA home loan with a 600 Middle score?

Asked by Steven Diaz, Phoenix, AZ Tue Jun 14, 2011

I am a first time home buyer with my COE in hand but still repairing my credit. I have a son on the way and i would love to have a home to welcome him into this world to. Im over renting and paying someone elses mtg. Can anyone help?

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Tue Jun 14, 2011
Yes there are lenders that go down to a 600 score (even lower) for VA financing, but equally as important as the credit score is what is on credit that is leading to the 600 score (vs. a much higher score). When you meet with a loan officer (face to face, over the phone, etc.) be prepared with details on:

1. Your credit scores - you can get Equifax & TransUnion from
2. What is on your credit - you can get these for free from
3. What your monthly income is - copy of a paystub is good to have on hand as well as 2 years of tax returns
4. What your checking/savings/retirement asset situation is - while VA does not require a down payment or reserves, having either can help offset negative credit when going before an underwriter
5. What your monthly debt obligations are - you can get these off of the credit report
6. What sales price range you are looking in - work with a real estate agent or get preliminary readings by using or
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