VA Loan Underwriting Checklist
This is the same checklist VA underwriters use to approve loans. Knowing this upfront helps veterans close faster with fewer conditions.
How VA Underwriting Works
- VA underwriting focuses on residual income, not just DTI
- No official minimum credit score set by VA
- Manual underwriting allowed
- Compensating factors matter
Pro Tip: Most VA denials happen due to missing documents —
not because the veteran didn’t qualify.
VA Underwriting Smart Checklist
Have Us Review Your File
Veterans Mortgage Solutions
VA underwriting • clear conditions • faster closings
VA underwriting • clear conditions • faster closings