VA home Loan

[fico-newbie33]

Does anyone know the cutoff credit score in order to qualify for a VA home loan?

Any veterans out there?

[ShanetheMortgageMan]

There is no minimum score requirement put into place by VA, however some lenders require a 530, 550 or 580 score, just depends on the lender.  There are still lenders who do not require a specific score though.  How has your credit history been for the last 12 months?  Any BK's or foreclosures within the last 3 years?

[fico-newbie33]

No Bankruptcies, no foreclosures.

I got a couple of lates, one 30 day late, one 60 day late..that shows pays as agreed and $0 balance.

-settlement after charge-off from chase, showing $0 balance

-120 days +late BOA, thats going to paid off...I paid it off in settlement

-I never missed a single payment on my first mortgage for 2 yrs

-I never missed a car payment for my loan o f 5 yrs

Credit score are as follows:

EX 545

EQ 556

TU 576

[ShanetheMortgageMan]

Assuming those are within the last 12 months, unless you get an automated approval from underwriting, you are going to have to wait until those are 12 months in the past.  If they are over 12 months old then you should be OK to get a VA loan using a manual underwrite.