No Minimum Credit Score VA Loans

Manual Underwriting | No Overlays | No Minimum Credit Score

No minimum credit score is required to qualify for a VA loan through jd.mortgage. If you’re a veteran, active-duty service member, or surviving spouse, we can help you get approved—even if your credit isn’t perfect. While other lenders turn away borrowers with lower scores, we follow real VA guidelines and offer manual underwriting to help you move forward.

Many lenders add their own internal restrictions, known as overlays. These often include minimum score requirements that don’t exist in official VA guidelines.  There is NO MINIMUM CREDIT SCORE. We skip the overlays. Instead, we take a hands-on approach—reviewing your full financial picture and helping you qualify when others say no.

Why Our VA Loans Work for You:

• ✅ No minimum credit score requirement

• ✅ $0 down payment in most cases

• ✅ No private mortgage insurance (PMI)

• ✅ Manual underwriting available

• ✅ No lender overlays

• ✅ Lending in 49 states

We specialize in working with borrowers who’ve had credit challenges, high debt-to-income ratios, or past financial hardship. Our team helps document and explain your story to VA underwriters—giving you the best chance at approval.

We Fight for Approvals When Others Won’t

We know how to fight for your approval. Many of our  clients come to us after being denied elsewhere, simply because a lender used automated underwriting and didn’t take time to understand their full situation. We dig deeper. With a personalized review and a team experienced in VA home loans, we help buyers with low scores, recent credit events, or unique income get across the finish line.

Who’s Eligible?

• U.S. Veterans

• Active-Duty Military

• National Guard or Reserve

• Eligible Surviving Spouses

If you’re unsure about your eligibility, we’ll help you find out quickly and clearly.

How the VA Loan Process Works

1. Complete our VA Loan Qualifier

2. Get personalized loan options

3. Compare rates and payments

4. Choose the loan that fits best

5. We’ll guide you from start to closing

Let’s Move Forward Together

Start My VA Loan

We’re here to help you navigate the process with clarity, support, and no judgment—because your service deserves a second look.