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VA Loan Denied? Here’s What Most Lenders Won’t Tell You…

J.D. Peck 881 views May 2, 2025 11:05 pm

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Denied for a VA loan? You might still qualify — but not every lender understands how to work with VA guidelines the right way.

Here’s what most won’t tell you:
• VA has no minimum credit score requirement
• Manual underwriting is allowed (and we actually use it)
• High debt-to-income ratios can be approved with compensating factors
• Many denials happen due to lender overlays, not VA rules

At PRMG, we don’t add overlays. We follow the VA guidelines as they’re written.
If you’ve been told “you don’t qualify,” it might be time for a second opinion.

Let’s talk. I’m here to help.

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