You searched:
“can a veteran get a mortgage with bad credit”
Your service to this country earned you one of the best mortgage benefits available -- the VA loan. VA loans have no official minimum credit score and no down payment requirement, making them accessible even with credit challenges.
Take a breath. Help is here.
- You are not alone -- thousands of people search this every month
- Real options exist for your specific situation
- No judgment -- just honest guidance from licensed professionals
We've Helped Others in Your Situation
Why This Happens
Understanding the common reasons -- and knowing that each one has a path forward.
- 1Service-related financial stressSolution exists
- 2Transition to civilian life created credit gapsSolution exists
- 3PTSD or disability affected financial managementSolution exists
- 4Multiple deployments disrupted financial routinesSolution exists
There's Always a Path Forward
Being denied feels overwhelming, but it doesn't mean your homeownership dream is over. Our specialists work with challenging situations every single day.
Your Options Right Now
VA Loan No Minimum Score
VA does not set a minimum credit score. While individual lenders add overlays, some approve scores as low as 500-580.
Available nowVA Zero Down Payment
No down payment required regardless of credit score, making homeownership immediately accessible.
Available nowVA with Manual Underwriting
VA manual underwriting considers your full military and civilian financial picture, not just your credit score.
Available nowTalk to someone right now
No automated menus. A real licensed mortgage professional who understands your situation.
(248) 864-2200You served our country. Let us serve you.
Start Your Application
Takes about 5 minutes. No obligation. No credit check until you are ready.
Our Presence
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Frequently Asked Questions
VA has no minimum. Most lenders require 580-620, but some work with scores as low as 500. NMHL partners with VA lenders who specialize in lower credit scores.
Yes. VA disability income is non-taxable and can be grossed up 25%. Higher disability ratings also exempt you from the VA funding fee, saving thousands.
Yes. VA loan entitlement can be restored and reused. You may even use a VA loan for a second home while keeping your first VA loan, depending on remaining entitlement.
You served our country. Let us serve you.
We will reach out at a time that works for you. No pressure, no obligation.