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What Veterans Need to Know About Credit Scores and VA Home Loans

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Your credit score plays a big role in qualifying for a VA home loan, even though there's no official minimum. Lenders often look for a score around 620 or higher, and a lower score might mean a higher interest rate. Paying bills on time, keeping credit card balances low, and avoiding new debt before applying can help. The VA loan itself doesn't require a down payment or private mortgage insurance, but your credit history still matters for approval and terms.