No. The VA loan program has flexible credit and underwriting standards. Since the VA does not have a credit score or DTI requirement, it's up to lenders to decide if they want to approve your loan application. Most lenders prefer Veterans with at least a 600-620 FICO score, but there are many that can approve your loan if your score is lower. Approved VA lenders are concerned with "how" you manage your finances and credit, not merely just the snapshot of your score. The VA also supports lenders in using other compensating factors to approve your loans, such as the amount of residual income and personal assets.