 TITLE: What Is a VA Loan? CONTENT: Do I Need a Good Credit Score to Qualify?\n-----------------------------------------\nLenders that issue VA loans set their own credit score requirements, but typically the criteria on VA loans are more lenient than those for conventional loans. While many conventional mortgage issuers look for a FICO® Score☉ of 670 or greater, issuers of VA loans may accept applications from borrowers with a FICO® Score as low as 620.\nAs with conventional mortgages (and other forms of consumer credit), it's a good idea to check your credit score before you apply, so you have a good idea where you stand. Higher credit scores generally mean better lending terms, including interest and fees, that can save you thousands of dollars over the lifetime of the loan.\nIt's not common, but it is possible to be turned down for a VA loan application if your credit history contains significant negative events, such as bankruptcy. If that happens, or if you'd just like to improve your credit standing before you apply for a VA loan (which can also help you get a lower interest rate), follow these tips for improving your credit score, and apply again once your score is higher. Persistence is a military virtue, and in time, you should be able to get the loan you deserve. END