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How NewDay USA Serves the Veterans Traditional Banks Overlooked

Enlisted Veterans make up 95% of NewDay USA's clients. See how NewDay works with the Veterans many traditional banks turned away, helping them buy homes and build a stronger financial future.

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By checking this box and clicking “Submit” below, you provide your electronic signature and expressly consent to receive marketing SMS/texts messages from or on behalf of NewDay USA – Including texts made using an autodialer or an automated system for selection and/or dialing of numbers-to the number(s) you provided above. Your consent is not required to obtain a mortgage or do business with us. Message frequency may vary. Message and data rates may apply Text HELP for assistance. To opt-out at any time, reply STOP.

By checking this box and clicking “Submit” below, you also provide your electronic signature and expressly consent to receive telephonic sales and marketing calls from or on behalf of NewDay USA – Including calls made using an autodialer, an automated system for the selection and/or dialing of numbers, or an artificial or prerecorded voice- to the number(s) you provided above. (You likewise will receive emails to the address you provided.) Your consent is not required to obtain a mortgage or do business with us.

By checking the box and clicking "Submit", you also agree to our Privacy Policy and Terms with an Arbitration Agreement and Class Action Waiver.

If you do not wish to receive automated marketing calls or texts, please do not submit this form and instead call us at 800-405-4187 to start or complete your loan request.

By clicking “Submit” below, you provide your electronic signature and expressly consent to receive telephonic sales and marketing calls, texts, and emails from or on behalf of NewDay USA—including calls and texts made using an autodialer, an automated system for the selection or dialing of telephone numbers, or an artificial or prerecorded voice—to the number/address you provided above. Your consent is not required to obtain a mortgage or do business with us.

By clicking “Submit”, you also agree to our Privacy Policy and Terms with an Arbitration Agreement and Class Action Waiver.

If you do not wish to receive automated marketing calls or texts, please do not submit this form and instead call us at 800-405-4187 to start or complete your loan request.

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Written by: David Flood

AVP of Underwriting|NMLS 1375176

One Veteran summed up his experience this way: "The country trusted me with a $40 million aircraft, but not a $300,000 mortgage, until NewDay USA." Many enlisted Veterans recognize that feeling, because they carried serious responsibility in uniform and then watched a traditional bank weigh their mortgage application on a credit score alone.

NewDay USA has built its business around those Veterans. Enlisted Veterans make up 95% of the company's clients, according to a September 2026 cover feature on NewDay's leadership, and NewDay's team of more than 700 employees works toward a single mission: helping Veterans who sacrificed for the country reach the American dream of homeownership.

A Partner Who Understands Your Values

You served our nation, and you deserve a VA loan partner who understands what that service meant to you and your family. We see buying a home as one part of a much bigger journey, and we want to stay beside you for the rest of it, long after the closing table.

Technology That Makes the Process Easier for You

Our CEO, Rob Posner, and our Chief Risk Officer, Dr. Xing Liu, see technology as an extension of the services we offer. Dr. Liu spoke about using technology and data responsibly, and we use digital tools and predictive analytics to make the home loan process easier for Veterans. With those tools, we can offer you more convenience and transparency, while the people helping you remain central to your experience.

People Who Recognize What You Gave

Rob and our leadership team have built a culture centered on leadership development, collaboration, and innovation. The people at NewDay USA bring a deep sense of purpose to their work because they recognize the sacrifices you and your family made, and that purpose shapes how we treat every Veteran who comes to us.

A Neighbor for the Long Term

We want to be a trusted neighbor and long-term partner to military families, helping you build a stronger future through education, honest advice, and relationships that last. Whether you’re ready to buy now or just starting to plan, we’re glad to help you take the next step.

When you’re ready, talk with us about how your VA home loan benefit can help you buy a home for your family.

FAQs

Does the VA set a minimum credit score for a VA home loan?

No. The VA doesn't require a minimum credit score, although most lenders use a credit score in their review. Veterans still need to meet the VA's and their lender's standards for credit and income.

Why can two VA lenders give the same Veteran different answers?

Each lender sets its own standards on top of the VA's, so one lender may approve a Veteran whom another lender turned down.

Does NewDay USA work with enlisted Veterans?

Yes. Enlisted Veterans make up 95% of NewDay USA's clients, and NewDay looks past the credit score to understand each Veteran's financial circumstances.

Can NewDay USA help with financial goals beyond buying a home?

Yes. NewDay offers financial guidance for military families at different stages, whether they want to buy a first house, pay down debt, or save for retirement.

About The AuthorDavid Flood

AVP of Underwriting|NMLS 1375176

David is an alumnus of American University’s Kogod School of Business, where he earned a degree in Business Administration with a specialization in Finance. As an Underwriter in the Purchase Division, he enjoys manually underwriting files, using pattern recognition and trend analysis to assess a borrower’s ability to repay. David takes pride in his ability to review each file thoroughly to ensure it meets lender and industry standards while applying creative problem-solving to defend and structure more complex scenarios. Outside of work, David enjoys spending quality time with his wife, traveling, exploring new cuisines, attending concerts and comedy shows, experiencing live music, and visiting amusement parks to take on the craziest rides.

How NewDay USA Serves the Veterans Traditional Banks Overlooked

A Partner Who Understands Your Values

Technology That Makes the Process Easier for You

People Who Recognize What You Gave

A Neighbor for the Long Term

FAQs

Does the VA set a minimum credit score for a VA home loan?

Why can two VA lenders give the same Veteran different answers?

Does NewDay USA work with enlisted Veterans?

Can NewDay USA help with financial goals beyond buying a home?

Join more than 100,000 Veterans who trust the NewDay USA team

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