what credit score do i need to use va home loan
Can I Have Bad Credit and Still Get a VA Home Loan? In fact, one of the most common questions we receive is: Can I get a VA loan with bad credit? The answer isnât black-and-white, in part because thereâs no clear-cut definition of what âbad creditâ actually means. For VA loans, borrowers will often need a FICO credit score of at least 620. But the VA doesnât mandate a minimum score requirement, and credit score benchmarks can vary by lender. Some lenders may be willing to go below that common 620 cutoff, which is considered by some to be the dividing line between âFair and subprime credit.