Arizona VA loan guidelines are getting tougher.

If you are currently have an Arizona VA loan and want to participate in the Arizona VA streamline program (aka the VA IRRL program), lenders are requiring that you have a mid credit score of at least 620. If you are thinking about trying to qualify for an Arizona VA loan, you must also have a mid credit score of at least 620.

The minimum credit score of 620 requirement for all Arizona VA loans is regardless of what the Automated Underwriting System says about the file – in other words, there really isn’t a way around it.

In order to qualify for an Arizona VA loan, you will need to provide the underwriter with a copy of your credit report – or you can also provide only a mortgage report and score only, many lenders will accept this as well.

Will it change in the future?

I think it is safe to say that this requirement will probably change… but I can’t say whether it is going to get tougher or easier to get an Arizona VA loan and how soon it will change.

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