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VA Loan Requirements

VA loans provide eligible veterans, active-duty service members, and surviving spouses with competitive interest rates, no down payment requirements, and limited closing costs. Borrowers must meet service, credit, and income guidelines and intend to occupy the home as their primary residence.

Conventional Loan Requirements

• Minimum credit score around 620 (lender requirement)

• No down payment required, subject to lender or property value

• Must have a VA Certificate of Eligibility and meet service requirements

• Meet credit and income qualifications and occupy the home

• VA funding fee applies (can be financed)

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