The VA loan is known for opening doors for veterans, and one of its most accommodating features is its approach to credit scores. Many borrowers are surprised to learn that the VA itself doesn’t set a minimum credit score requirement. However, that doesn’t mean you’re guaranteed approval.

Most VA-approved lenders operate within their own underwriting guidelines and typically require a minimum credit score of 580 to 620. Still, if your score falls below this range, don’t give up hope. A growing number of lenders offer manual underwriting options that consider additional factors like your income stability, employment history, and debt-to-income ratio.

These "compensating factors" can make a major difference. For example, if you have a low credit score but have paid rent on time for years, or have a substantial amount in savings, those positives may help offset your credit challenges.

Because VA loans are backed by the government, they’re often more forgiving than traditional loan products. They’re designed to honor your service by making homeownership accessible—even if your credit history isn’t perfect.

If you're unsure about where you stand, consult with a VA-savvy loan officer. They can help you understand your options and guide you toward a lender willing to work with your specific situation. The key is not to count yourself out before exploring what’s possible.