Buying a Home with a VA Loan in 2026: What Veterans Should Really Know
Buying a home with a VA loan in 2026 remains one of the strongest benefits available to eligible service members, veterans, and surviving spouses. Yet many veterans are still misinformed — or even denied — because lenders apply rules the VA never created.
At LoanGoal.com, powered by Access Capital Group, we specialize in VA loans with no overlays, manual underwriting, and approvals down to a 500 credit score when needed.
Quick Answer: VA Loan Credit Score in 2026
The VA does not require a minimum credit score. Many lenders require 620, but that is a lender overlay — not a VA rule. LoanGoal approves VA loans down to 500 with manual underwriting nationwide.
Get Your Certificate of Eligibility (COE)
Your COE confirms VA eligibility and entitlement. Most VA lenders can obtain this electronically in minutes.
VA Credit Score Truth
The VA itself sets no minimum credit score. LoanGoal approves VA loans down to 500 credit score with manual underwriting.
Debt-to-Income vs Residual Income
The VA focuses more on residual income rather than just DTI ratios.
VA Closing Costs Explained
VA loans offer no down payment, seller contributions up to 4%, and funding fee exemptions for qualifying veterans.
VA Property Requirements
Homes must be primary residences and meet safety standards.
Why Veterans Choose LoanGoal
LoanGoal specializes in VA manual underwriting, no overlays, and nationwide VA lending.
VA Loan Q & A Section
Do VA loans require a 620 credit score?
No. The VA does not require any minimum credit score.
Can I get a VA loan with bad credit?
Yes. Many veterans qualify with 500–580 scores.
What is VA manual underwriting?
Manual underwriting allows human evaluation beyond automated systems.
Are VA loans really zero down?
Yes. Eligible borrowers can purchase with zero down payment.
Can sellers pay VA closing costs?
Yes. Sellers may contribute up to 4%.
Can I use a VA loan more than once?
Yes. Entitlement can be reused.
Are VA loans harder to close?
Not with the right lender.
Who qualifies?
Veterans, service members, certain guards, and surviving spouses.
The Bottom Line
If you were told you need 620 credit or VA loans are too hard — you were told by the wrong lender.
Ready to Use Your VA Loan in 2026?
Visit www.LoanGoal.com
VA and FHA specialists
No overlays
Nationwide VA lending
