While the VA does not have a minimum credit score requirement for VA loans, each mortgage lender can set their credit score requirements on VA loans, which are called lender overlays. However, most lenders will lower their limits at around 580-640 points. Gustan Cho Associates is a national lender with zero lender overlays not just on VA loans but also FHA, USDA, and Conventional loans. The overlays of these creditors differ, so it’s important to look for the appropriate one who can work with your unique credit situation. Although the VA does not state the lowest number, having more than enough numbers may increase your chances for approval and favorable loan terms. Mortgage lenders like Veterans United and USAA often advertise that they are out to help veterans. Still, they are misleading veterans because they have many lender overlays. Veterans United will not approve VA loans without the borrower having at least a 620 credit score. Over 80% of the borrowers at Gustan Cho Associates were denied or could not qualify at other mortgage companies because of their lender overlays. There are no minimum credit scores on VA loans.