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The Credit Score Minimum is Reduced to 580 for Some VA Loans

  • Mar 1, 2018
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GREAT NEWS! Credit score minimum is reduced to 580 for some VA Loans!

Effective for VA Loans locked on or after March 7, 2018, Academy’s minimum required FICO credit score will be reduced from 600 to 580 for loans that are approved through the automatic underwriting system (AUS).

Please note that this reduced credit score requirement doesn’t apply to all VA Loans:
  • The minimum score for manually underwritten VA Loans is 600.
  • The minimum score for VA Loans is 620 for the following programs: Academy Advantage Buydown, High Balance, IRRRLs, and Manufactured Homes.

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