What credit score do I need for a VA home loan?

While HUD, does not have a minimal credit score requirement for VA loans, or even FHA loans, most lenders have a credit score requirement of at least 640 or higher in order to successfully fund and close a VA home loan. If your credit score is 640 or better, you meet them credit score eligibility requirement for funding a VA loan.

RELATED MORTGAGE ADVICE FROM SCOTT SHELDON

Scott Sheldon's The Mortgage FIles Blog

Understanding Income Averaging in Fannie Mae Loans

When qualifying for a home loan, one challenge many borrowers face is presenting irregular or…

homebuying tips, down payment assistance, FHA loans, CalHFA, first-time homebuyers

How to Buy a Home in 2025 Without a Down Payment

How to Buy a Home in 2025 Without a Down Payment Purchasing a home can…

A vibrant depiction of the Sonoma County real estate market, showcasing modern single-family homes surrounded by vineyards and rolling hills under a clear blue sky, symbolizing opportunities with the 2025 conforming loan limits increase.

2025 Conforming Loan Limits Rise: Boosting Opportunities for Sonoma County Homebuyers and Sellers

2025 Conforming Loan Limits: What It Means for Sonoma County Buyers and Sellers The Federal…

Calculator and mortgage loan documents showing monthly savings on a refinance

When to Refinance Your Mortgage: Key Factors for Lowering Costs

When to Refinance Your Mortgage: Key Factors for Lowering Costs If you’ve bought a home…

View More from The Mortgage Files:

begin your mortgage journey with sonoma county mortgages

Let us make your mortgage experience easy. Trust our expertise to get you your best mortgage rate. Click below to start turning your home dreams into reality today!