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 877.720.1160

VA First-Time Homebuyers – All Credit Welcome

VA First-Time Homebuyers – All Credit Welcome

Get approved for your first home with no credit score required. Veterans Mortgage Solutions helps you qualify—even if others said no.

Apply Now

Why Choose a VA Loan for Your First Home?

VA loans were created to help veterans and active-duty military achieve the American dream of homeownership. Unlike conventional loans, VA loans offer unique advantages:

  • No down payment required
  • No private mortgage insurance (PMI)
  • Flexible credit history guidelines
  • Lower interest rates
  • No lender overlays—we follow VA guidelines

VA Loan Guidelines for First-Time Buyers

  • No minimum credit score required
  • No more than 4 × 30-day late in past 12 month
  • Explanation letter for lates past 12 months.
  • No 60-day lates in past 12 months
  • Chapter 7 bankruptcy OK if discharged 2+ years ago
  • Chapter 13 OK with 12 months payments & trustee OK
  • Foreclosure or short sale: 2+ years
  • No active federal liens or judgments
  • Medical collections don'tcount
  • Manual underwriting available with alternative credit

How We Help First-Time Buyers With Any Credit

Don’t let past credit history stop you from owning a home. Our team specializes in working with veterans and first-time buyers—even those with:

  • Low FICO scores
  • No credit history
  • Past delinquencies or bankruptcy
  • Limited savings for down payment

We provide:

  • Custom loan strategies for every situation
  • Manual underwriting with alternative credit
  • 1-on-1 guidance through the loan process
  • Fast closings and transparent communication

Success Story

“I thought I didn’t qualify because of my credit. Other lenders said no. Robert and his team walked me through the VA loan process, helped me build alternative credit, and I’m now sitting in my first home! They made the impossible happen.”
— Nettie, Navy Veteran

Frequently Asked Questions

What if I’ve never used a VA loan before?

VA loans are perfect for first-time buyers. You can qualify with 0% down and no PMI.

Can I qualify with a bankruptcy on my credit?

Yes! Chapter 7 is OK after 2 years. Chapter 13 is OK with 12 months of on-time payments and trustee approval.

Is there a credit score requirement for VA loans?

No. The VA does not require a credit score. We help with manual underwriting based on alternative credit.

What is manual underwriting and how does it help?

Manual underwriting allows us to approve you based on rental, utility, phone, or insurance payment history. It’s ideal if you don’t have traditional credit.

Can I use rental history to qualify?

Absolutely! If you’ve paid rent on time for the past 12 months, we can use that to help you qualify.

Let’s Get You Pre-Approved Today

You served our country—now let us serve you. Whether you're buying your first home or rebuilding after credit issues, we’re here to make it happen.

  • Veterans helping Veterans
  • Quick pre-approvals
  • No upfront fees
Apply Now

Or Call Us: 877-720-1160

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