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What good is the housing certificate if your credit score is not 620 and above?



A1:  The housing certificate is only a guarantee to the lender in the event that you default on the loan that the VA will cover the loss by reselling or assuming the loan. You still must meet the basic credit requirements of the lender, one of which is a credit score above 620.  (AP)  12/3/16

A2:  When I bought my home back in 2001 all I used was secondary credit. Cell Phone bill, storage unit bill, Truck Insurance payments. But things changes with time.  (JK)  12/4/16



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