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1 VA Loans and Credit Score Minimums for 2022
https://www.veteransunited.com/realestate/va-loans-and-credit-score-minimums-what-all-buyers-need-to-know/
There is no minimum credit score requirement for a VA loan, but most mortgage lenders want to see a FICO credit score of at least 620.
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2 What Is The Minimum VA Loan Credit Score? - Rocket Mortgage
https://www.rocketmortgage.com/learn/va-loan-credit-score
To qualify based on manual underwriting at Rocket Mortgage, you need a minimum median FICO® Score of 640 or higher. Your DTI can also be no ...
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3 Minimum Credit Scores for VA Loans 2022 - Freedom Mortgage
https://www.freedommortgage.com/learning-center/articles/va-loan-credit-score
Does the Department of Veterans Affairs require a minimum credit score for VA loans? ... No. The VA does not set a minimum credit score for the VA loans it ...
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4 VA Home Loan Credit Score Requirements for 2022
https://www.nerdwallet.com/article/mortgages/va-home-loan-credit-score-requirements
VA home loan lenders typically look for a minimum FICO score of 580 to 660. Learn about other VA loan requirements and use our free credit ...
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5 What Is The Minimum Credit Score For A VA Loan?
https://www.quickenloans.com/learn/minimum-credit-score-for-va-loan
The short answer is no, there is currently no minimum credit score required for a VA loan. While the Department of Veterans Affairs doesn't have ...
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6 Can I Get a VA Loan with a 500 Credit Score?
https://heroloan.com/can-i-get-a-va-loan-with-a-500-credit-score/
The VA itself does not set a credit score minimum to qualify for a loan. Ideally, on a VA loan, home buyers will want to have achieved a credit score of 580 or ...
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7 VA Loan Credit Score Requirements ... - Military Money Manual
https://militarymoneymanual.com/va-loan-credit-score/
In most cases, the minimum credit score for a VA home loan is 580-620. If your credit score is at or higher than this minimum range, you should ...
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8 VA Home Loan Credit Score Requirements - Guaranteed Rate
https://www.rate.com/resources/va-loan-credit-score
On average, the lowest credit score for a VA loan is a 620 FICO score. Guaranteed Rate, however, will accept scores as low as 580 if the loan ...
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9 What You Need to Know About VA Loan Credit Rules
https://www.military.com/money/va-loans/credit-requirements-for-va-loans-explained.html
What credit is required to get a VA loan? ... when a veteran wanted to use the VA loan benefit in order to buy and finance a home with nothing down, the VA ...
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10 VA Loan Credit Score Requirements 2022
https://www.valoansforvets.com/va-loan-credit-score-requirements/
In general, we recommend you have a score of at least 620 when applying for a VA Loan amount with a higher acceptance rate and lower mortgage ...
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11 Va Loan Credit Requirements ⭐️ 2022 Credit Score Minimums
https://www.nationalvaloans.com/va-loan/requirements/credit-requirements/
Here at National VA loans we often get the question, What are the VA loan credit requirements? The good news is when it comes to the VA mortgage loan there ...
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12 Can You Get a VA Home Loan with Bad Credit? - LendingTree
https://www.lendingtree.com/home/va/requirements/get-va-home-loan-bad-credit/
No minimum credit score. There's no minimum credit score set by the VA, although many lenders require a 620 minimum score.
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13 The Minimum Credit Score For A VA Loan - OVM Financial
https://www.ovmfinancial.com/minimum-credit-score-va-loan/
When it comes to getting a VA loan, there actually isn't a definite minimum credit score that's required, as different lenders will have their ...
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14 VA Home Loan Credit Score | Requirements 2021
https://www.militaryvaloan.com/blog/va-loans-and-credit-scores/
The VA doesn't require a minimum credit score for VA home loans. That said, every lender has its own underwriting requirements and may ...
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15 VA Loan 620 Credit Score - Apply Now - HomePromise
https://www.homepromise.com/low-credit-score-va-loans/va-loan-620-credit-score/
The Veterans Administration has no minimum credit score requirement. VA lenders have their own minimum credit score requirements for VA loan approval. For more ...
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16 VA Home Loan Requirements For 2022 - Bankrate.com
https://www.bankrate.com/mortgages/va-loan-requirements/
The VA itself doesn't have a minimum credit score requirement. Instead, it requires lenders to look at the overall loan profile.
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17 What's The Minimum Credit Score For VA Home Loan Approval?
https://www.monarch1893.com/rockville/vporter/blog/whats-the-minimum-credit-score-for-va-home-loan-approval/
VA loans are favored for the following reasons: lower mortgage rates, no PMI required, no down payment necessary, and, to an extent, no minimum credit score ...
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18 Credit score for VA Loan: Minimum, Requirements, 2022
https://www.cainmortgageteam.com/va-loan-credit-score/
Some mortgage programs have minimum credit score requirements imposed by the government agency that mandates the program. For example, applicants for the FHA ...
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19 Can I Get a VA Home Loan with a Low Credit Score?
https://www.homelifemtg.com/blog/can-i-get-a-va-home-loan-with-a-low-credit-score
In fact, VA doesn't have a credit score requirement. Therefore, a handful of VA lenders remain 'old school' and continue to manually underwrite the VA mortgage ...
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20 VA Home Loan Requirements & Qualifications | CCMC
https://www.cherrycreekmortgage.com/veteran-assistance/requirements
The VA doesn't set a minimum credit score requirement for a VA loan. However, some lenders may only approve borrowers with a credit score of 620 or higher. To ...
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21 VA Loans: 6 Signs You're Ready To Own A Home
https://www.veteransfirst.com/news/ready-for-a-va-loan
When it comes to credit, most Veterans ask about the minimum credit score required for VA loans. We usually require a score in the mid 600s for loan ...
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22 Home Loans For Bad Credit | 7 Loan Options For 2022
https://themortgagereports.com/23319/7-mortgage-programs-low-minimum-credit-score
Technically, there's no minimum credit score requirement for a VA loan. However, most lenders impose a minimum score of at least 580. And many start at 620.
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23 8 Best VA Loan Lenders of November 2022 - Money
https://money.com/best-va-loans/
Why we chose it: Freedom Mortgage's minimum credit score requirement of 550 for VA loans make it our pick for the Best VA loan lender for low ...
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24 Minimum Credit Score For Va Loan and How to Improve It.
https://militarymortgagecenter.com/va-home-loans/minimum-credit-score-for-va-loan/
The VA itself does not establish a minimum credit score for veterans applying for a VA mortgage. It's up to each lender to determine their own credit score ...
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25 Financing With The VA Home Loan Benefit - Aligned Mortgage
https://www.alignedmortgage.com/financing-with-the-va-home-loan-benefit/
While the VA doesn't have any restrictions, VA-approved lenders have minimum requirements for scores. At Aligned Mortgage, the minimum credit score on loans ...
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26 Is There a Credit Score Requirement for a VA Loan? |
https://valoanspot.com/is-there-a-credit-score-requirement-for-a-va-loan/
The minimum credit score we approve of is a 530. If your middle score ends up being a 530 or higher, you're going to have a chance at approval with VA Loan Spot ...
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27 Financing Tips for Your VA Loan - Atlantic Bay Mortgage Group
https://www.atlanticbay.com/knowledge-center/financing-tips-for-your-va-loan
The minimum credit score required by many lenders is 620, but requirements vary from lender to lender. Atlantic Bay, for example, will potentially qualify ...
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28 California VA Credit - VA Loans in California
https://valoansofcalifornia.com/about-va-loans/credit-scores-required-for-va-loans-2/
The California VA Credit score lenders generally require to get a VA loan is currently 640+, although there are a few lenders who will allow scores lower than ...
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29 What Credit Score Do You Need to Buy a House in 2022?
https://homebuyer.com/learn/what-credit-score-do-you-need-to-buy-a-house
VA Loan | Credit Score: 580 · Are available as 100% mortgage loans · Have lower interest rates as compared to conventional loans · Require a ...
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30 VA home loans down to a 500 credit score.
https://www.barclaybutlerfinancial.com/va-home-loans-down-to-a-550-credit-score/
Most mortgage companies state you must have at least a 620-660 credit score and high income to qualify for a VA loan. These companies again are using ...
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31 How Do I Qualify for a VA Home Loan?
https://www.certaintyhomeloans.com/learning-center/insights/home-buying/how-do-i-qualify-for-a-va-home-loan/
View the evidence the US Department of Veterans Affairs requires to demonstrate your eligibility. ... Certainty requires a minimum credit score of 580 for the ...
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32 VA Fixed Rate Home Loans
https://www.caliberhomeloans.com/learn/loans-and-programs/va-loans
Little or no-down-payment · Minimum credit of 620 is required for fixed-rate financing. · Borrowers with credit scores from 580 to 619 are subject to stricter ...
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33 2022's VA Loan Credit Score Requirements | ConsumerAffairs
https://www.consumeraffairs.com/finance/va-loan-credit-score-requirements.html
To qualify for a VA home loan, you must meet several requirements, including obtaining a Certificate of Eligibility.
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34 What Is a VA Loan and Who Qualifies? | Credit Karma
https://www.creditkarma.com/home-loans/i/va-loans
You can qualify for a VA loan with lower credit scores. There is no minimum-credit-score requirement for VA loans. Lenders offering conventional ...
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35 What is a VA loan? - Mutual of Omaha Mortgage
https://www.mutualmortgage.com/articles/va-loans/va-loan-faqs/
Although there is no minimum credit score requirement for VA loans, lenders typically look for borrowers to have a credit score of 620 or higher, and the VA ...
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36 VA home loan requirements 2022 - Gustan Cho Associates
https://gustancho.com/va-home-loan-requirements/
There are no minimum credit score requirements on VA loans with an approve/eligible per the automated underwriting system (AUS). Homebuyers can qualify for VA ...
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37 The VA Home Loan Explained | Scott Evans
https://crosscountrymortgage.com/evans/webinar/va-home-loan/
In fact, VA does not even have a credit score requirement. A lot of banks out there, specifically credit unions, have a credit score requirement. CrossCountry ...
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38 Getting a VA Mortgage Loan with a Low Credit Score
https://mortgagesolutions.net/2022/03/11/va-mortgage-loan-low-credit-score/
A credit score between 580 and 669 is considered “fair”, but a score of 579 or under is thought of as “poor” credit. Credit scores between 670 ...
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39 Credit Requirements for Texas Veteran and VA Mortgages
https://valoanstexas.com/credit-requirements-for-texas-veteran-and-va-mortgages/
There is not a minimum credit score requirement per the VA guidelines. However, like most lenders, we do have a minimum score. Our minimum credit score for a VA ...
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40 A Complete Overview of VA Loans Guidelines - Capital Bank
https://capitalbankmd.com/homeloans/resources/home-loans-101-blog/va/a-complete-overview-of-va-loans-guidelines
Check with your mortgage lender to see if they have a minimum credit score requirement. Can you qualify for a VA loan with a low credit score? Some lenders let ...
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41 Understanding VA Home Loan Requirements
https://www.navyfederal.org/makingcents/home-ownership/va-home-loan-requirements.html
Who Qualifies for a VA Loan? · Served 90 consecutive days of active service during wartime · Served 181 days of active service during peacetime · Served more than ...
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42 VA Home Loans: Explore the Benefits & Get Prequalified
https://www.chase.com/personal/mortgage/va-loan
Qualifying for a VA loan may be easier thanks to flexible credit history guidelines with credit scores starting as low as 620.
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43 VA Home Loans in NC & SC
https://dashhomeloans.com/services/va-loan/
Though VA home loans are designed for applicants with less-than-perfect credit, your FICO®* score will still impact your application.
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44 What Is A VA Loan? – Forbes Advisor
https://www.forbes.com/advisor/mortgages/what-is-a-va-loan/
With rare exceptions, you won't qualify for a conventional mortgage with a credit score lower than 620, no matter the lender. But you may be ...
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45 VA Mortgage Loans - F&M Bank
https://www.fmbankva.com/va-mortgage-loans/
There is no minimum credit score required for VA loan approval, which makes it a great option for homebuyers with an imperfect credit history. There is no limit ...
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46 Best VA Loan Rates for 600 to 630 Credit Score (Plus ...
https://thewendythompsonteam.com/best-va-loan-rates-for-600-610-620-630-credit-score/
While the Veterans Affairs office does not require a high credit score to qualify for a VA mortgage, generally, a lower credit score like 600, ...
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47 What is the credit score needed to buy a house? | U.S. Bank
https://www.usbank.com/home-loans/mortgage/first-time-home-buyers/credit-score-for-mortgage.html
The minimum credit score needed for most mortgages is typically around 620. However, government-backed mortgages like Federal Housing Administration (FHA) loans ...
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48 VA Home Loans: Pros and Cons Veterans Should Know
https://www.neighborsbank.com/va-loans/
Credit score: The VA itself doesn't have a minimum credit score requirement, but VA-approved lenders may institute their own score standards.
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49 What Is a VA Home Loan? Requirements, VA Loan Process ...
https://www.totalmortgage.com/blog/what-is-a-va-home-loan-requirements-va-loan-process-and-more/42854
Credit: While the VA doesn't require a certain credit score to qualify for a VA loan, most lenders want to see a score of 620 or higher.
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50 Minimum Credit Score for a VA Home Loan - VA.org
https://va.org/minimum-credit-score-for-a-va-home-loan/
While these concerns are certainly merited: the VA does not dictate a minimum credit score to lenders. Thus, VA-backed loans don't require a set credit ...
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51 VA Loans FAQ's - NLC Loans
https://nlcloans.com/loan-options/va-loans/va-loan-eligibility/
In general, the minimum credit score required to get a VA loan is 580. However, there are other credit considerations as well. Can I get VA loans with bad ...
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52 VA Minimum Credit Score with Jamie Fischer
https://veteranslendinggroup.com/2018/12/va-minimum-credit-score-with-jamie-fischer/
Hey there….did you know that the VA actually has no minimum required credit score? Most banks have what are called overlays on top of the VA guidelines.
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53 What Is A VA Loan? | Rocket HQ
https://www.rockethq.com/learn/home-buying/what-is-a-va-loan
The minimum credit score required for a VA loan is 580, as long as you meet three requirements. The loan must be for a 1 or 2-unit primary property, and no more ...
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54 VA Home Loan - 1st United Mortgage
https://1unitedmortgage.com/va-home-loans/
Apply for a VA Home Loan. No money down. Low fixed rates. Easy to qualify. 620 minimum credit score.
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55 What Credit Score Do You Need to Buy a House?
https://money.usnews.com/loans/mortgages/articles/what-credit-score-do-you-need-to-buy-a-house
VA. No set minimum; most lenders require at least a 620 credit score, but some will allow a score as low as 580, Veterans buying homes ; USDA. No set minimum, ...
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56 An Expert Guide to VA Home Loans - The Sacramento Bee
https://www.sacbee.com/money/va-home-loan-guide/
Best VA loan lenders ; Highlights. Low minimum credit score (just 580) and high debt-to-income ratio allowances (up to 60%); Application process ...
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57 Apply For a VA Home Loan - Travis Credit Union
https://www.traviscu.org/personal/borrow/mortgage-hub/va-loan/
VA 30-year Fixed Purchase require a minimum credit score of 580. Based on a loan to value of 70% and loan amount of $525,000, the effective interest rate as ...
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58 VA Home Loan - First United Mortgage Group
https://firstunitedteam.mymortgage-online.com/VAHomeLoan.html
No private mortgage insurance requirements. Credit score requirements are more lenient as compared to conventional loans. VA may be able to provide some ...
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59 Here's How Your Credit Score Impacts VA Loan Refinancing
https://themilitarywallet.com/credit-score-needed-to-refinance-va-loan/
While there is no minimum credit score required to refinance your VA mortgage, most lenders require a credit score of 620 or higher.
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60 VA Home Loans for Veterans in OKC and Surrounding Areas
https://www.fcmortgageloans.com/loan-options/va-loans/
There is no minimum credit score requirement set by the Veteran's Association to obtain a VA loan. However, private lenders can set their own minimum standards, ...
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61 VA Loan Eligibility—Who Qualifies for a VA Home Loan?
https://gomortgage.com/va-loan-qualifications/
For your first VA loan, most mortgage lenders have a minimum credit score requirement of at least 620. Some lenders won't consider your credit ...
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62 Credit Score Requirements for VA Home Loans - YouTube
https://www.youtube.com/watch?v=KtW1CAUKk4k
Veterans United Home Loans
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63 What Minimum Credit Score Do You Need for a Home Loan?
https://www.fairwaymortgagecarolinas.com/minimum-credit-score-home-loan/
Fairway's minimum credit score for VA-loan eligibility is just 600 — less than the 620 required by many other lenders. For more about VA loans and the ...
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64 VA Loan Programs in Houston, Tx - Clear Lending
https://www.clearlending.com/en/loan-programs/va-loan-program
Our VA mortgage loan programs allow us to secure financing, starting with 580+ credit scores, as well as assist in the search for the perfect house. However, ...
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65 VA Loans | LowRates - Sun West Mortgage Company
https://www.swmc.com/lowrates/va-loans.php
There is no down payment required and no monthly mortgage insurance payments. The minimum credit score required is as low as 500. Eligibility. Active members of ...
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66 How do VA home loans work - buy or refinance | MACU
https://www.macu.com/loans/home-loans/va-loans
While the U.S. Department of Veteran Affairs does not require a minimum credit score, individual VA loan lenders may have their own requirements. On average, ...
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67 VA Home Loans & Mortgages in Michigan | Griffin Funding
https://griffinfunding.com/michigan-mortgage-lender/michigan-va-loans/
Lenders will check your credit score no matter which loan you're applying for because they need to ensure that you're someone who pays back debts. The credit ...
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68 VA Home Loans: Everything You Need to Know in 2022
https://www.fairwayindependentmc.com/articles/va-home-loan-everything-you-need-to-know
Most lenders require a 580-620 credit score for a VA loan, though some will be more flexible on those numbers than others. If you're concerned about your credit ...
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69 VA Loan Information - USAA
https://www.usaa.com/inet/wc/advice-real-estate-va-loan-information
Can I get a VA home loan with bad credit? The VA doesn't require a minimum credit score, but most VA loan lenders do have a minimum requirement.
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70 What Is a VA Loan? - Experian
https://www.experian.com/blogs/ask-experian/what-is-a-va-loan/
Do I Need a Good Credit Score to Qualify? ... Banks, credit unions and mortgage lenders issue VA loans with the understanding that the VA ...
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71 Credit Scores Needed for VA and FHA Loans
https://www.self.inc/blog/credit-scores-va-fha-loans
The rule of thumb for your VA loan credit score is simple: the better your score, the more competitive your interest rate will be. You want to ...
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72 Can You Qualify for a VA Home Loan With Bad Credit?
https://www.benefits.com/va-loans/bad-credit
In addition to your credit score, the lender for a VA mortgage loan will consider several other factors – including your rent and mortgage ...
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73 VA Loan Requirements (2022 Update) - SmartAsset.com
https://smartasset.com/mortgage/va-loan-requirements
Credit scores don't count as much with VA loans as they do with conventional loans, but you'll still need pretty good credit to finance a home purchase with the ...
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74 VA Loans: Why Credit Scores Matter | MyMilitaryBenefits
https://mymilitarybenefits.com/finance/va-loans-why-credit-scores-matter/
The same lender says on paper it may be possible to qualify for a government-backed loan such as an FHA or VA mortgage with FICO scores at 580 ...
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75 VA Home Loan | VA Loan Mortgage | New American Funding
https://www.newamericanfunding.com/loan-types/va-loan/
Military veterans can find the best VA home loans - loans for veterans - from ... to meet lender requirements in terms of income verification, credit score, ...
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76 FHA and VA Loan Credit Score down to 580 and 600
https://gmfsmortgage.com/fha-and-va-loan-credit-score-down-to-580-and-600/
Our new FHA and VA loan program requirements may allow more borrowers to qualify for a home loan! Additional requirements verification of rental ...
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77 Best VA home loan with 600 credit score - Home Lending Pal
https://www.homelendingpal.com/best-va-home-loan-with-600-credit-score/
As we've mentioned, the U.S. Department of Veterans Affairs has not set any credit score requirements for VA loans, but approval, the lenders ...
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78 Do You Qualify for Low Rate VA Loans? - Mortgage Calculator
https://www.mortgagecalculator.org/mortgage-rates/va.php
› mortgage-rates
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79 6 Most Commonly Asked Questions About VA Loans
https://www.apmortgage.com/blog/6-most-commonly-asked-questions-about-va-loans
Credit score requirements are one of the biggest worries for many homebuyers, but are you ready for some good news? There is no credit score requirement for VA ...
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80 The Best VA Mortgage Lenders of November 2022
https://www.businessinsider.com/personal-finance/best-va-mortgage-lenders
Qualify for a VA mortgage with a credit score as low as 580; May accept non-traditional credit data if you don't have a credit score; A+ rating ...
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81 VA Home Loans Guide | MoneyGeek.com
https://www.moneygeek.com/mortgage/va-home-loan/
It's easier to qualify for a VA home loan due to the 0% down payment requirements and low credit score requirements. house. VA home loan ...
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82 VA Guaranteed Home Loans Factsheet - Napa County
https://www.countyofnapa.org/DocumentCenter/View/141/Fact-Sheet-Home-Loan-Guarantee-PDF
Program, Career Services, Educational Assistance, Home Loan Guaranty, ... No minimum credit score requirement; instead VA requires a lender to review the ...
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83 Can a 500 Credit Score Get a VA Home Loan? - GCA Mortgage
https://www.gcamortgage.com/can-a-500-credit-score-get-a-va-home-loan/
Technically, there is no minimum credit score requirement for VA mortgage lending. Most banks will tell you you need a 620 or a 640 credit score ...
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84 What is a good credit score to get a home loan? - MarketWatch
https://www.marketwatch.com/picks/what-is-a-good-credit-score-to-get-a-home-loan-01660596699
Credit scores for a VA loan: No minimum credit score ... A VA loan is a government loan that's available to active and veteran service personnel ...
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85 VA Loan Requirements 2022| NextAdvisor with TIME
https://time.com/nextadvisor/mortgages/va-loan-requirements/
VA doesn't require a particular credit score to get a purchase loan, IRRRL, or cash-out refinance. That's one of the advantages of VA loans, ...
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86 What Is a VA Home Loan and Who Qualifies? - CNET
https://www.cnet.com/personal-finance/mortgages/what-is-a-va-home-loan-and-who-qualifies/
You can qualify for a VA loan with a low credit score and make a 0% down payment. Angela Lang/CNET. Coming up with the down payment on a home ...
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87 VA Loan Credit Requirements | Garden State Home Loans | NJ
https://www.gardenstateloans.com/credit-requirements/
As such, minimum credit score requirements will vary from lender to lender. There are a few recommendations that popular VA -Approved lenders ...
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88 How Does a VA Loan Work? VA Home Loan Requirements for ...
https://www.sofi.com/learn/content/what-is-a-va-loan/
The VA does not have a minimum credit score, but most mortgage lenders will want to see a FICO credit score above 620. Some may go lower.
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89 VA Loan Low Credit Score ZERO DOWN LOAN 500 Minimum ...
https://www.loangoal.com/loan-options/featured/va-loan-zero-down-loan-500-minimum-credit/
VA does not have a minimum credit score requirement. When a lender requires a minimum credit score it is generally a 620, that is called a lender overlay. An ...
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90 4 VA Loan Facts to Know Before You Apply - CMG Financial
https://www.cmgfi.com/blog/4-va-loan-facts-to-know-before-you-apply-2021-05-27
While conventional loans typically require a credit score of around 620, FHA Loans allow for credit scores as low as 580. VA Loans have ...
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91 Understanding How Credit Score Impacts Your Home Loan
https://www.meridianbanker.com/understanding-how-credit-score-impacts-your-home-loan/
Conventional loans are typically for borrowers with good or better credit scores. Lenders usually require you to have a credit score of 620 or higher to qualify ...
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92 VA Loan | Taking Care of Veterans W/Better Benefits
https://www.boxhomeloans.com/va-loan/
Defer 2 mortgage payments · There is NO Appraisal needed · You do NOT need income or employment verification · Also, NO minimum FICO score* · Further, NO UP FRONT ...
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93 FHA vs.VA Loans Comparison - Assurance Financial
https://assurancemortgage.com/fha-vs-va-loans/
One difference between FHA and VA loans is the credit score required. For an FHA loan, you need to have a credit score of at least 500. If your score is ...
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94 Pre-Approval Requirements Unique to VA Home Loans
https://www.homesteadfinancial.com/purchase/pre-approval-requirements-unique-to-va-home-loans-2/
Generally speaking, a credit score of 620 or higher is recommended, and you cannot be in default for any other type of government loan. Debt-to- ...
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95 A VA Loan Guide To Home Buying | Veterans Home Loan
https://www.nasb.com/resource-center/tools/solutions-finder/veteran
VA Loan Requirements · Two years of steady employment. · The last two years of income should be either at the same level or higher. · Your credit score should have ...
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96 VA Home Loan & Mortgage Rates - Space Coast Credit Union
https://www.sccu.com/personal/mortgage-purchase-products/va-home-loan
What is a good credit score for a VA loan?
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