VA Mortgage Program
VA loan program with a minimum FICO score of 580, allowing for manual underwrites and AUS approvals.
Underwriting at a glance
- Minimum FICO
- 580+
- Max LTV (purchase / rate-term)
- 110%
- Max LTV (cash-out)
- 100%
- Loan amount
- ? - $1,500,000
- Documentation
- full-doc
- States
- most states
Highlights
- •Manual underwrites allowed
- •Max DTI per AUS
- •Minimum 580 FICO score
- •Refer/Eligible AUS findings accepted
- •Refer/Eligible findings accepted
- •Minimum 580 FICO
- •100% LTV purchase and cash-out options available
- •110% LTV IRRRL option
- •Minimum FICO score of 580
- •Max loan amounts up to $1.5 Million
- •Minimum 580 FICO score requirement
- •Refer/Eligible AUS OK
- •Refer/Eligible AUS accepted
- •100% LTV purchase and cash-out available
- •110% LTV IRRRL
- •No FICO options and 580 min FICO
Want to see if you qualify?
Tell us about your scenario - we'll come back with current pricing and exact guidelines.
Program guidelines and rates can change at any time without notice. Last confirmed 9/2/2026. Not a commitment to lend.
Today's mortgage rates
Conventional
6.250%
6.288% APR
FHA
5.750%
5.780% APR
VA
5.750%
5.780% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.