six. An excellent Virtual assistant mortgage is more flexible having credit scores

Just like the Va backing decreases lenders’ risk, they truly are so much more flexible making use of their conditions, for example credit score minimums and you will range. Minimal differ consist of financial so you’re able to financial, but most require a credit score out of 620 otherwise over. Yet not, Atlantic Bay could easily meet the requirements down seriously to an excellent 580 credit score, with an increase of criteria.