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VA lender for credit score under 620

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New Member

VA lender for credit score under 620

I have recently obtained my COE for a VA loan. Now I'm trying to find a lender who does VA loans with a mid score under 620. My fico mortgage scores are EQ-625 & TU-589. I haven't ordered my Experian score but I'm sure it's lower than the rest. I've got some collections/charge offs that total maybe $2000. I have a car repo from 2014. Nothing late or missed within the past 12 months at least. I am about to pay off my current car loan next month though which I fear will bring my score down but it can't be helped. I have 1 credit card & 3 more that I've been added as an authorized user on that have little utilization on them. I am currently active duty military but also have a full time civilian job that I will return to toward the end of next year. I'm hoping someone knows of some reputable VA lenders that will go below 620 mid score. I deploy in the Fall & I'd really like to get my family into a house of our own before then if possible.
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Frequent Contributor

Re: VA lender for credit score under 620

Im not sure Im allowed to name drop lenders on here. <Mod cut:  Links to individual lenders are not allowed on myFICO.  Thank you. - KiB>

Message 2 of 82
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Community Leader
Valued Contributor

Re: VA lender for credit score under 620


@Jns1981 wrote:
I have recently obtained my COE for a VA loan. Now I'm trying to find a lender who does VA loans with a mid score under 620. My fico mortgage scores are EQ-625 & TU-589. I haven't ordered my Experian score but I'm sure it's lower than the rest. I've got some collections/charge offs that total maybe $2000. I have a car repo from 2014. Nothing late or missed within the past 12 months at least. I am about to pay off my current car loan next month though which I fear will bring my score down but it can't be helped. I have 1 credit card & 3 more that I've been added as an authorized user on that have little utilization on them. I am currently active duty military but also have a full time civilian job that I will return to toward the end of next year. I'm hoping someone knows of some reputable VA lenders that will go below 620 mid score. I deploy in the Fall & I'd really like to get my family into a house of our own before then if possible.

Hi Jns1981,

I replied to your PM.

 

VA Mortgage Expert. Mortgage Banker lending in All 50 States.
VA, FHA, USDA. Jumbo, Conventional.
CAIVRS Expert.
Message 3 of 82
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New Contributor

Re: VA lender for credit score under 620

Hi sorry not trying to take over your post but would you please DM me those mortgage companies as well? 

 

Thank you

Starting Score: EQ-543
Current Score: EQ-622, TU- 619, EX? 10/13/13 EX Lender pull 637
Goal Score: 650



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Message 4 of 82
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Frequent Contributor

Re: VA lender for credit score under 620

👍 Gladly!
Message 5 of 82
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Community Leader
Valued Contributor

Re: VA lender for credit score under 620


@Readyforchange wrote:

Hi sorry not trying to take over your post but would you please DM me those mortgage companies as well? 

 

Thank you


Pm sent.

VA Mortgage Expert. Mortgage Banker lending in All 50 States.
VA, FHA, USDA. Jumbo, Conventional.
CAIVRS Expert.
Message 6 of 82
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Member

Re: VA lender for credit score under 620

Can you DM me this information as well. Thanks.

Message 7 of 82
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Valued Contributor

Re: VA lender for credit score under 620


@Blueman271 wrote:

Can you DM me this information as well. Thanks.


PM sent.

VA Mortgage Expert. Mortgage Banker lending in All 50 States.
VA, FHA, USDA. Jumbo, Conventional.
CAIVRS Expert.
Message 8 of 82
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New Visitor

Re: VA lender for credit score under 620

I’d also appreciate a pm with that info please and thank you!!!
Message 9 of 82
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Valued Contributor

Re: VA lender for credit score under 620


@Sgtboom wrote:
I’d also appreciate a pm with that info please and thank you!!!

Hi Sgtboom,

 

PM sent.

VA Mortgage Expert. Mortgage Banker lending in All 50 States.
VA, FHA, USDA. Jumbo, Conventional.
CAIVRS Expert.
Message 10 of 82
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