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Charleston, West Virginia

Charleston VA Credit Score Requirements


Charleston, VA Home Loan Credit Score Requirements

Charleston,  VA Home Loan Credit Score Requirements Blog photo of VA credit score checklist

VA Home Loans and Credit Score Minimums | What Should Charleston Buyers Know?



...That leaves a few questions though doesn't it?

But what exactly is a good credit score?
Does the VA have a credit score minimum amount?
How do the VA credit requirements stack up against other mortgage options such as conventional and FHA?

One of the primary benefits of the VA Home Loan is its lenient credit score requirements

Do VA Loans Have Credit Scores Minimums as Requirements in Charleston, West Virginia?


No VA Home Loan Requirements do not state a particular credit score requirements. That being said, we need to try to understand the VA's position in the VA mortgage loan process.

The Department of Veterans Affairs advises this particular mortgage program and guarantees the mortgage lending company a portion of each VA Home Loan in case the borrower defaults. That being said, the Department of Veterans Affairs does not actually give out the money to the borrowers, or issue the loans. The VA also doesn't have direct credit score requirements because both of those jobs are the duties of the VA Home Loan Lender you end up choosing. Okay, so why should I choose the VA home loan. How does it compare to other mortgage types?

Again, that's another great question that you should definitely be asking to stay educated when it comes to buying or purchasing your next home.

Ultimately, it all comes down to FICO credit scores (these range from 300-850).

Wikipedia's exact definition of a credit score


A credit score is a numerical expression based on a level analysis of a person's credit files, to represent the creditworthiness of the person. A credit score is primarily based on a credit report information typically sourced from credit bureaus.
-Wikipedia

The biggest advantage of obtaining a VA Home Loan is the low credit score requirements and the zero down payment requirements.

The VA Home Loan vs. The FHA Home Loan vs. The Conventional Loan


VA Home Loan

  • Government Insured
  • Only for those who have served in the military
  • Zero down payment required in most cases

FHA Home Loan

  • Government Insured
  • For every day citizens
  • Down payments of 3.5% and up

Conventional Home Loan

  • Not Government Insured
  • Interest rates vary greatly based on credit score
  • Usually have the highest down payments


What if I don't meet the VA Home Loan Credit Requirements for Charleston?


Potential VA loan borrowers shouldn't abandon their ideal dream of owning their own home. Credit has an amazing amount of flexibility and is a constantly changing environment. Improve your financial well-being and your FICO credit score will rise exponentially. All you have to do is know what financial improvements to make. Should you pay off high-interest debt? Should you cancel certain credit cards? How should you handle bankruptcy that won't seem to leave you alone? Call us at (816) 945-9924 so one of our VA home loan specialists can walk you through your individual circumstances.

Helpful West Virginia VA Loan Info


What is the Charleston VA Loan Appraisal Process?

VA Purchase Home Loan Program Charleston

Military BAH Rates - Charleston Basic Allowance For Housing

Charleston VA Mortgage Calculator

Charleston VA Mortgage Rates

Common Charleston VA Home Loan Questions

How Do I Get A Charleston Certificate Of Eligibility(COE)?

Military DD214 Form for West Virginia military personnel

Charleston VA Credit Score Requirements

Charleston VA Streamline Refinance Loan | IRRRL Refinance Program

Charleston VA Mortgage Lenders

Charleston Income & Financial Requirements For VA Loans

What are closing average Charleston, West Virginia closing costs?

Charleston VA Mortgage CO-Signer Requirements and Regulations

Charleston Military Home Loans and special benefits

What is the Charleston, West Virginia VA Entitlement?

Charleston West Virginia VA Home Loans

The Government Will Pay Your Charleston VA Loan Through the BAH Program

All West Virginia VA Loan Locations

Locations Nearby Charleston


Clendenin, WV 25045
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 8921
AVERAGE HOME VALUE PER SQFT: $71 Per Sq Ft

Education Stats in Charleston, WV

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Charleston, West Virginia housing data

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25387 Median Gross Rent: %

Time zone and area codes for Charleston

Charleston Time Zone: America/New_York
Area Code(s) For Charleston, WV: 304

Charleston(25387) Coordinates

25387 Approximate Latitude: 38.35
25387 Approximate Longitude -81.63
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Charleston, WV Age Demographics

Charleston Population Under 10: People
Charleston Population 10-19: People
Charleston Population 20-29: People
Charleston Population 30-39: People
Charleston Population 40-49: People
Charleston Population 50-59: People
Charleston Population 60-69: People
Charleston Population 70-79: People
Charleston Population 80 years and up: People

Charleston Demographics Data

White demographics: People
African-American demographics: People
Charleston Indian and alaskan natives: People
Charleston asian demographics: People
Charleston Hawaiian and Pacific Islanders: People
Charleston Population Makred as Other: People
Charleston Two or more races: People
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Charleston female population count: People

Charleston, WV Facts

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Charleston Postal, Tax, and Wage Facts

Total Wages in Charleston:
25387 Post Office Location: NA-US-WV-CHARLESTON
25387 Post Office Type: STANDARD
There were tax returns in 25387.

Charleston, WV 25387
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 8749
AVERAGE HOME VALUE PER SQFT: $54 Per Sq Ft


South Charleston, WV 25303
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 7886
AVERAGE HOME VALUE PER SQFT: $76 Per Sq Ft


Charleston, WV 25304
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 7605
AVERAGE HOME VALUE PER SQFT: $96 Per Sq Ft


Nitro, WV 25143
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 7367
AVERAGE HOME VALUE PER SQFT: $72 Per Sq Ft


Dunbar, WV 25064
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 6855
AVERAGE HOME VALUE PER SQFT: $61 Per Sq Ft


Elkview, WV 25071
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 6816
AVERAGE HOME VALUE PER SQFT: $78 Per Sq Ft


Charleston, WV 25311
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 6725
AVERAGE HOME VALUE PER SQFT: $78 Per Sq Ft


Cross Lanes, WV 25313
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 6338
AVERAGE HOME VALUE PER SQFT: $77 Per Sq Ft


South Charleston, WV 25309
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 6278
AVERAGE HOME VALUE PER SQFT: $76 Per Sq Ft


Charleston, WV 25314
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 5833
AVERAGE HOME VALUE PER SQFT: $92 Per Sq Ft


Charleston, WV 25302
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 5253
AVERAGE HOME VALUE PER SQFT: $61 Per Sq Ft


Saint Albans, WV 25177
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 3334
AVERAGE HOME VALUE PER SQFT: $67 Per Sq Ft


Fairview, WV 26570
METROPOLITAN Area: Fairmont, WV
COUNTY NAME: Marion West Virginia
CITY SIZE RANK: 10546
AVERAGE HOME VALUE PER SQFT: $119 Per Sq Ft