getting a va loan with short credit history

Hello Kyle, As long as you have a job for a few years, the loan should be doable. We specialize in VA in you have any questions, feel free to call at 303-578-9202. Also, I have a good lender who works out of Colorado Springs if you would like someone local...we are up in Boulder. Best, Robert

Kyle,Let me add my voice to the choir. You should have not difficulty getting a VA loan if you have a stable job and have been in that job for a few months. Please call if you have other questions. Congratulations on taking this big step in your life and thank you for your service.

Hi Kyleward, Thank you for your service. I don't share my peer's optimism that one account is good enough and here's why. While the VA guidelines do not require a minimum number of accounts to qualify a lot of lenders do. The general rule of thumb is 3 trade lines that have been open for at least 12 months. This is called a lender overlay. The way around this is to use alternative trade lines. These are things that do not normally show up on your credit report like your rent history, utilities or car insurance. Please feel free to contact me for more information or help. John Burke | Senior Mortgage | Great Plains National Bank | http://www.valoansdoneright.com| (877)228-9069 | Lending in ALL 50 states. |

You should not have a problem qualifying for a VA loan with that credit score, assuming you meet all other qualification requirements.

Hi Kyle, that would not be an issue. You would just need to make sure you are good to go with everything else like employment and your debt to income ratio. If you have some additional questions or if you would like to start the process you can call me at 303-521-7169 or reach me at syoung@firstcal.net. I do work in the Colorado Springs area and would be able to refer you to a few real estate agents too if needed. Best wishes, Sean

Good Afternoon! Your credit score should be adequate enough to eliminate any requirement for a minimum number of tradelines, but you'll need to really apply for financing so that a Mortgage Credit Report is pulled to find out if your FICO Score is really as high as you noted as a Consumer Credit Score from sites like Credit Karma are not scored the same as FICO Scored Reports. Good Luck!