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VA Home Loans – No Minimum Credit Score Required

Get Pre-Approved for a VA Loan – Even If You’ve Been Denied Elsewhere

Why Choose Us for Your VA Loan?

  We approve VA loans that other lenders deny.
  No overlays – We follow VA guidelines, not lender restrictions.
  Real and efficient approval process with expert VA mortgage specialists.
  More than just a generic "prequalification", we actually help you through the full underwriting process.
Start My VA Loan Now

Why Choose Us for Your VA Loan?

  We approve VA loans that other lenders deny.
  No overlays – We follow VA guidelines, not lender restrictions.
  Real & efficient approval process with expert VA mortgage specialists.
  More than just a generic "prequalification", we actually help you through the full underwriting process.
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What's Your Military Status?

Active Duty
Reservist
Retired
Disabled
Surviving Spouse
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What Are Your Sources of Income?

Active Military
Civilian Employment
Self-Employed/1099 Independent Contractor
Retirement/Pension
VA Disability
SSDI
Continue
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What's your gross (before taxes) annual income?

Greater than $200,000
$150,000 - $200,000
$100,000 - $150,000
$75,000 - $100,000
$50,000 - $75,000
$30,000 - $50,000
Less than $30,000
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How much do you plan to spend on your new home?

(an estimate is fine)

$700,000 or more
$600,000 - $700,000
$500,000 - $600,000
$400,000 - $500,000
$300,000 - $400,000
$200,000 - $300,000
$100,000 - $200,000
Less Than $100,000
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Is this your first time purchasing a home?

Yes
No
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When are you planning to make your home purchase?

Immediately: Signed a Purchase Agreement
ASAP: Found a House / Offer Pending
Within 30 Days
2 - 3 Months
3 - 6 Months
6+ Months
No Time Frame / Still Researching Options
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Current Credit Situation?

(No answers will disqualify you, this just helps us better prepare).

No Missed Payments or New Collections In The Past 12mo.
Some Missed Payments In The Past 12mo.
Currently Past Due On Several Accounts
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Have you experienced any extenuating circumstances over the past 12 months which created financial hardship?

(An extenuating circumstance is an event beyond your control causing you inability to repay financial obligations such as, loss of income, loss of employment, deployment, military separation with the inability to secure civilian employment, illness or family death causing financial strain, sudden one time emergency expenses, etc).

Yes
No

Neither answer will disqualify you.
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Please explain your extenuating circumstance that caused financial hardship.

Continue
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Have you filed for bankruptcy, or had a short sale or foreclosure in the last 3 years?

Yes
No
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Are you working with a real estate agent?

Yes
No
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Please provide their contact information.

Continue
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What's your household gross (before taxes) annual income?

(an estimate is fine)

Greater than $200,000
$150,000 - $200,000
$100,000 - $150,000
$75,000 - $100,000
$50,000 - $75,000
$30,000 - $50,000
Less than $30,000
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Estimate your monthly debt (not including any mortgages/rent).

This includes student loans, car loans, credit card minimum payments, rent, and any other monthly debt.


Continue
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Estimate the total value of your assets.

This includes checking and savings account balance, retirement/401K balance, stocks or mutual fund balance, and any other assets.


We know this info is sensitive. We take data privacy and site security very seriously.

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Question and/or Comments:

How can we help you?

Continue
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What's the best way to reach you?

Submit

By providing a telephone number and submitting this form you are consenting to be contacted by SMS text message. Message & data rates may apply. You can reply STOP to opt-out of further messaging.
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Our team specializes in helping military families achieve homeownership — even when other lenders say no. Over the years, we’ve helped hundreds of veterans and active-duty service members get approved through the VA loan process, even with credit challenges, high debt-to-income ratios, and past denials.

We understand VA guidelines inside and out. Unlike most lenders, we follow the actual VA rules — not internal overlays. If you’ve been told you “don’t qualify,” let us give you the real answer. No minimum credit score required. Manual underwriting welcome.


START MY VA LOAN NOW

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes.  
All other categories exclude text messaging originator opt-in data and consent; this information will NOT be shared with any third parties.

VA LOAN MYTHS DEBUNKED

Watch this short video where J.D. explains why many lenders wrongly deny VA borrowers — and how we get them approved. 







What Is a VA Loan With No Minimum Credit Score Requirement? 

Unlike conventional and FHA loans, VA loans don’t have a minimum credit score requirement. But many lenders create their own rules — called overlays — and deny veterans who actually qualify. At JD.Mortgage, we follow official VA guidelines and help borrowers others turn away. 

Can You Get a VA Loan with Bad Credit? 

Yes — VA loans are designed for veterans, active-duty service members, and eligible spouses, even if your credit isn’t perfect.

We consider compensating factors like:

  • Stable income and employment history

  • Low debt-to-income (DTI) ratio

  • Good payment history on rent or utilities

  • Long-term employment

  • High residual income

  • Military benefits




Get Started Now!

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes.  
All other categories exclude text messaging originator opt-in data and consent; this information will NOT be shared with any third parties.






How to Get Approved for a VA Loan With Low Credit 


  1. Fill out the form above
    Our VA mortgage specialists will review your situation.

  2. Schedule a call
    We’ll assess your financial picture and identify any extenuating circumstances.

  3. Provide documentation
    We’ll help you gather what’s needed for manual underwriting.

  4. Get Pre-Approved
    Know your buying power and start shopping with confidence.








VA Loans With High DTI and Low Credit 

Most lenders impose strict DTI and credit score requirements. But VA loans allow higher debt-to-income ratios when compensating factors exist. If you’ve been denied due to DTI or low credit, we can help. 


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Work With a VA Loan Expert Who Gets It Done 

j.D. Peck

NMLS ID - 314883

Area Manager

(719) 249-8572



No mobile information will be shared with third parties/affiliates for marketing/promotional purposes.  
All other categories exclude text messaging originator opt-in data and consent; this information will NOT be shared with any third parties.
  • EHO
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  • © 2025 PARAMOUNT RESIDENTIAL MORTGAGE GROUP, INC. ALL RIGHTS RESERVED | Paramount Residential Mortgage Group, Inc. (“PRMG”) is a mortgage lender. NMLS ID# 75243 (www.nmlsconsumeraccess.org). 1265 Corona Pointe Court, Suite 301, Corona, CA 92879. 866-776-4937. AZ Mortgage Banker License #910387. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Massachusetts Broker and Lender Licenses MC75243. Licensed by the N.J. Department of Banking and Insurance. OH #RM.804171.000. Rhode Island Licensed Lender | NEW YORK This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.