SORRY, WE CAN'T HELP YOU AT THIS TIME, BUT YOUR PATH TO HOMEOWNERSHIP ISN'T OVER — IT'S JUST BEGINNING.
Most lenders have credit and income requirements, but veterans who don’t qualify today often successfully purchase a home with the right steps. Your service has earned you benefits worth fighting for, let’s get you ready to use them.
Here are some resources that can help:
See the same FICO scores mortgage lenders use and understand exactly what’s affecting yours. Pinpoints the highest-impact changes you can make to move your score toward 620.
Free and low-cost nonprofit counseling to help you build a plan around both your credit and your overall financial picture. HUD-approved counselors understand VA loan requirements.
Free tools for disputing credit errors and understanding your rights, plus guides on budgeting and debt management that can help improve both your score and your debt-to-income ratio.
The VA offers disability compensation, pension programs, and other financial benefits that may count toward your qualifying income. If you’re not already receiving all benefits you’ve earned, now is the time to find out.
Free employment support for veterans including job placement, resume help, and skills training. Increasing or stabilizing your income is one of the most direct ways to meet lender income requirements.