Using a VA Loan to Purchase a
Home with Low Credit Scores

Are you an active duty or retired veteran of our armed forces, or the surviving spouse of a veteran? If so, whether you have perfect credit or less-than-perfect credit and low credit scores, a VA loan through CityWorth Mortgage may be the opportunity to get your family into a new home!

What is a VA loan?

A VA loan is a mortgage loan which is insured/guaranteed by the United States Department of Veterans Affairs. It is a specialized loan program to help get our active duty, retired, and the surviving spouses of active duty or retired service members into homes. VA loans have many advantages over conventional loans.

Can you get a VA loan with low credit scores?

Yes! One of the best advantages of a VA loan over conventional mortgage loans is that VA loans have more flexibility in their loan criteria, and therefore loans can be offered to prospective buyers who may not qualify for other mortgage loan products. There isn’t a hard stop minimum credit score requirement for VA loans, and at CityWorth Mortgage we can work to get you into a new home even if your credit score is 580. We can also work with you if you have limited credit history; generally, the VA wants to see about one year of credit in place in order to qualify for a VA loan.

How can CityWorth Mortgage help me?

If you are an active duty or retired veteran of our armed forces, or the surviving spouse of a veteran and looking to purchase a home, CityWorth Mortgage is your VA home loan expert! Our office is staffed by experienced mortgage bankers who are here to answer any questions you or your family may have about VA loans. We also specialize in getting individuals with low credit scores into homes, because we understand that you are more than just your credit score. You can apply online now to get pre-approved! With a few key pieces of information, CityWorth Mortgage can have you on your way towards home ownership in no time.