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Step 1 of 5 Credit Range
STEP 01 · CREDIT RANGE
Roughly, where's your credit?

No exact number needed. Many VA lenders go below 580. Most banks won't tell you that.

580
VA-friendly lenders specialize here
500 580 620 680 800
500-579: Rebuild needed. Few lenders fund below 580.
580-619: Specialty lender required. Manual underwriting lane.
620-679: Most VA lenders will fund. Standard underwriting.
680+: Best pricing tier. Lenders compete for your file.
STEP 02 · CREDIT HISTORY
Any major credit events in the last 4 years?

Bankruptcy, foreclosure, or federal debt default. We need this to set the right approval timeline.

STEP 03 · TIMELINE
How long since the event?

Months since the bankruptcy was discharged, the foreclosure completed, or the short sale settled.

12
months
Just happened 1 year 2 years 3 years 4+ years
STEP 03 · MONTHLY INCOME
What's your monthly income?

Pre-tax income from all sources. Income decides whether bad credit is a circumstance you can fix or a structural constraint.

$
That's $60,000 per year
STEP 04 · MONTHLY DEBTS
What about monthly debt payments?

Cars, student loans, credit card minimums, child support. Don't include rent.

$
Existing DTI: 10%
YOUR RESULT
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YOUR VA LENDER LANE
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Highest-impact next move
Want a real review of your file?
A licensed VA loan officer reviews your numbers and tells you exactly what's possible. No obligation, no pressure.
ALMOST THERE
Where can we reach you?

A specialist personally reviews your numbers and reaches out within one business day.

✓
You're all set.

A VA loan specialist will personally review your credit profile and reach out within one business day.

WHAT HAPPENS NEXT

A real specialist (not a call center) will email or call with an honest read of your file: which lenders work your profile, what would unlock the next lane, and whether VA or FHA is faster for you. No pressure, no spam.

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