What was the primary reason for your denial?

Select the reason from your adverse action notice or what your lender told you.

What is your approximate credit score range?

The score your lender used, not Credit Karma. If unsure, use the range your lender mentioned.

Tell us more about your DTI situation

Your debt-to-income ratio and residual income determine qualification.

What type of income issue was flagged?

Select the reason closest to what your lender described.

Was the issue with the property's condition or its value?

These are different problems with different solutions.

What is the eligibility issue?

Select the situation closest to yours.

What type of federal debt was flagged?

CAIVRS checks for defaulted or delinquent federal debts.

What type of event and when?

The VA waiting period depends on the type of event and when it was finalized.

What type of collection or judgment?

VA treats these categories differently.

Were you told this was a VA requirement or a lender policy?

This determines whether switching lenders could change the outcome.

Have you applied with another VA lender?

A second opinion from a different lender can produce a different result.

Get a Free Second Opinion

A VA loan specialist will review your denial and identify your options. No cost, no obligation.

This estimates VA baseline timing and common underwriting pressure. It is not an approval decision and individual lenders may apply additional overlays.