Knowledge Is Your Best Tool

• DD-214 (Certificate of Release)
• Certificate of Eligibility (COE)
• 2 years of W-2s or tax returns
• 30 days of pay stubs
• 2 months of bank statements
• Government-issued ID

The VA has no official minimum credit score — but lenders do. Most look for a 580–620 minimum. VA loans are more forgiving than conventional loans, and we work with veterans across a wide credit range. Not sure where you stand? Let's talk.

• ✅ Get pre-approved before house hunting
• ✅ Keep your employment stable
• ✅ Save for closing costs just in case
• ❌ Don't open new credit accounts
• ❌ Don't make large unexplained deposits
• ❌ Don't change jobs without telling us

VA loans limit what lenders can charge — and sellers can cover all loan-related closing costs. You may still owe costs like the VA funding fee, title, and taxes. The good news: the funding fee can be rolled into your loan so you close with $0 out of pocket.

• What rate can I qualify for today?
• Am I exempt from the funding fee?
• Can the seller cover my closing costs?
• How long will pre-approval take?
• Can I use my benefit more than once?

VA loans consistently carry lower average rates than conventional loans. Your rate depends on your credit score, loan term, and market conditions. Even a 0.25% difference can save you thousands. We'll help you find the best rate available to you.