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VA mortgage lender. Bankrate Score. Minimum credit score. Minimum down payment. USAA Mortgage. 4.8/5. 640 for VA loans. 0% for VA loans. Veterans United Home Loans
Eligibility for FHA vs. VA loans. Anyone who meets the credit score, ... Low minimum credit score requirements (580 with 3.5 percent down or 500 with 10 percent down)
The VA doesn’t set a credit score minimum for borrowers, but some VA lenders might. Generally, this is around 620, the same as a conventional loan — though many may allow for lower scores.
VA loans also tend to have lower interest rates and looser credit standards. However, VA loan borrowers will need to pay a funding fee , a one-time charge ranging up to 3.3 percent of the loan amount.
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