I have a middle credit score of 604, but I am going to buy a home with my fiance, is it possible to use my VA loan?

Good Evening! I think a quick review of your credit would determine a way to increase your score to above 620, which would allow you to use your VA for 100% financing. If you want to apply jointly with your fiance, you would need to consider FHA with 3.5% down or other program. There are no applications fees to apply online, so visit www.123LoanYes.com today and provide permission to obtain a credit report, or I can show you how to send me your own credit to review with no obligations. Working with a professional will save your time, energy, and money! IF that sounds like something you are interested in, send me a direct message through this site and we can start discussing your loan request and credit situation. Thank you and good luck!

The credit score will keep some lenders from working with you but there are many that will. The larger issue is that the VA would need you to be married to use income from the fiance/spouse for qualifying. Contact a LOCAL mortgage banker or broker that is familiar with VA guidelines and work with them. There may be other options that will work for you without getting married first.

i do have a referrral for you for someone who is excellent, and she has programs down to a 580 fico score please email me at yourloanpartnerforlife@live.com linda and hse is right in laguna hills ,callf

We do 604 scores on VA only in NJ....check with local lender in your area that is on Lender411

Once you have your Va cert. you can buy a home, but to use your fiance income is not going to happen. Va only allows married couple to do so. If I can be more help www HOMEMORTGAGEXPERT.com 855 411 Lend

You have two issues going on... First, your low credit score is going to cause almost all lenders to reject your application. Second, while technically possible, VA basically doesn't like non-married co-applicants. The vast majority of lenders will not allow her to be on the loan. Good luck. www.VA-IRRRL-Loan-MN.com

Private Money / Commercial Money LendingWaikoloa, Hawaii 96738Office Phone: 808-883-2747E-mail: J@KalaLending.comBusiness Description: We offer multiple types of funding starting at $100,000 and up, no maximum: * Commercial Real Estate Loans * Bridge Loans * Multi-Family * Office Buildings * Industrial * *Hotel / Motel Financing * Medical * Assisted/Independent Living * Warehouses * Franchises * Convenience Stores *Restaurants * Project Finance * New Construction * Equipment Leasing * Stock Loans * Portfolio Liquidations * Private Equity * Joint Ventures *Working Capital * Project Finance *Oil and Gas Financing *Renewable Energy Financing * Gold Mines *Churches*Credit Lines *Proof of Funds *Bank Instruments * Bulk REO's * NPN's/PN's

YES! We have many investors and lending partners that will possibly allow a 604 mid FICO on a VA purchase however most prefer a 620 or higher.