Credit plays an important role in the VA home loan process, but a borrower’s credit score is only one part of the overall picture. Veterans looking to qualify are encouraged to make on-time payments, manage debt, avoid new credit activity before applying, and work with a lender who can help them understand where they stand and what steps may improve their application.
Destinee Stice, Vice President of Loan Origination at NewDay USA (NMLS# 1565498), discussed why veterans need a lender that looks beyond the score and considers the full financial story. She shared that an in-person underwriting team can help evaluate the entire borrower profile, including payment history, ability to repay and other factors that may not be fully reflected in a credit score alone.
