Fresh Start for Veterans
Credit hiccups? We look beyond the score. Our team focuses on your whole story—residual income, rent history, and stability—to help you move forward with a VA home loan.
Credit score ≠ your story
VA considers more than a number. We review residual income, rent history, and stability to map your path.
Hands-on credit help
Step-by-step plan: utilization tweaks, dispute timing, rapid rescore opportunities, and non-traditional credit when eligible.
Manual-underwrite know-how
When AUS says “refer,” we package files for manual review with solid documentation and compensating factors.
Estimated VA rates & payments
Purchase (720+, no points)
IRRRL (Streamline)
Manual Underwriting: what it is & how we help
Most VA loans are approved by an automated system (AUS). If the AUS says “Refer” or your file is unique, a human underwriter can review the whole picture—this is called a manual underwrite. It can be great for buyers with limited credit history, recent life changes, or past credit hiccups.
What underwriters look for
- Residual income (VA’s monthly cushion after bills) by household size & region
- 12 months housing history (on-time rent or mortgage)
- Reasonable DTI with compensating factors (savings, low payment shock, solid job)
- Stable income and verifiable assets
- Explanations for late payments/collections, with issues resolved or on a plan
How we package your file
- Clear Letter of Explanation for any credit events
- VOR (Verification of Rent) or bank statements proving on-time housing
- Budget snapshot to demonstrate residual income and post-closing reserves
- Pay stubs/W-2s/award letters, and any non-traditional credit when helpful
- We manage the checklist so underwriting can say “yes” with confidence
Veterans we’ve helped
Compare broader options at Home & Mortgage Finder.