Veterans Affairs or VA loans don’t usually have a minimal credit rating used for pre – qualifying a loan. Nevertheless, most loan companies will require you to have at least a credit score of 620. This kind of loan will be issued by qualified lenders to a specific borrower according to the eligibility they require.

Eligibility. You must have satisfactory credit, sufficient income, and a valid Certificate of Eligibility (COE) to be eligible for a VA-guaranteed home loan. The home must be for your own personal occupancy. The eligibility requirements to obtain a COE are listed below for Servicemembers and Veterans, spouses, and other eligible beneficiaries.

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 · Getting a VA Mortgage: Pest Inspection Requirements. If you’re in the market for a new home and you are or have been a U.S. service member or you’re a veteran’s surviving spouse, you’re eligible for a VA loan. This loan was created as part of President Roosevelt’s G.I. Bill in 1944 and is guaranteed by the U.S. Department of Veterans Affairs.

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