The VA doesn’t set a minimum credit score to qualify for a loan. But VA mortgage lenders can set their own minimum standards for FICO credit scores, which are typically in the low- to mid-600s.
The average FICO score of VA purchase borrowers in 2019 ranged from 706 to 713, depending on the month, according to mortgage data provider Ellie Mae. The average FICO score of VA refinance borrowers in 2019 ranged from 690 to 714.
Lenders will also look at your credit report, particularly your history of making timely payments.
If you have any questions about this, please let our VA specialist Frank know as we can discuss your options together.