Apply For A VA Loan With A 640 Credit Score

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


Have you been turned down for a VA loan with a 640 credit score? Don’t lose hope!  Your application may result in a denial from some VA lenders, but you may qualify with HomePromise. Call or apply now to find out!


Get a 100% free rate quote



How Credit Scores Affect VA Loan Approval

 All of your debt information at the credit bureaus is put into an equation to come up with a credit score. A lower score 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?

Some Veterans think they will never qualify for a VA loan due to a credit score below 640. It is true that most lenders want to see a minimum credit score of 640 before approving VA loans. But, there are some VA lenders like HomePromise that may approve lower FICO score VA loans. Give us a call 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.



A couple quick questions and you’re on your way to getting a free quote. Done before your cup of coffee is.


We will NEVER share or sell your information. All submissions encrypted for your security and peace of mind.


Let our team of experts help you find the best loan at a great rate. Use the form above to contact us today!

Connect With Us