VA Loan 640 Credit Score

Is a 640 Credit Score Good Enough for a VA Loan?

Call to speak with a VA Loan & Refinancing Expert now!


Have you been turned down for a VA home loan with a 640 credit score? Don’t lose hope!  Your application may result in a denial from some VA lenders but you may not have to wait to increase your credit to qualify with HomePromise. You still may be able to buy a home sooner than you think. Call or apply now to find out!


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How Credit Scores Affect VA Loan Approval

When applying for a VA mortgage it’s true that your previous activity and debt from credit cards may affect your credit score. Also, excessive debt increases your debt to income ratio. All of your debt information at the credit bureaus is put into an equation to come up with a credit score. A lower credit score on your credit report means you probably have more problems with your credit history than other people. But not all VA lenders deny Veterans with low credit scores.

Can You Get A VA Loan With A 640 Credit Score?

The main question asked by veterans is this: Is a VA loan 640 Credit Score Good Enough? Some Veterans think they will never qualify for a VA loan due to a credit score at or below 640. While it is true that most lenders want to see a minimum credit score of at least 640 before approving VA loans, there are some VA lenders like HomePromise that may approve lower credit score VA loans. Give us a call now to see if you qualify.

What Is The Minimum Credit Score Required For Approval?

You probably would be surprised to find out that the Veterans Administration doesn’t publish a minimum credit score for VA loans. Each VA lender makes their own minimum credit score requirement for approval. For more information about getting a VA loan approved with a challenging credit history call 800-720-0250 to speak with a VA Loan & Refinance Expert with HomePromise.



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