VA Home Loans Available with Credit Scores as Low as 500 and Debt-to-Income Ratios up to 65%

If you’re a veteran, active-duty service member, or the spouse of a deceased veteran, you may qualify for a VA home loan—even if other lenders have told you no.

Here’s why VA loans are such a powerful benefit:
✅ No down payment required
✅ No monthly mortgage insurance
✅ Flexible approval – credit scores starting at 500 may qualify
✅ Higher debt-to-income ratios allowed with enough residual income
✅ Manual underwriting available (something most lenders don’t do)

Many lenders add strict requirements (like needing a 620–660 credit score). We don’t. At Barclay Butler Financial, we specialize in both manual & automated underwriting to help more veterans become homeowners.

📲 Call/Text: 224-420-9990
📧 Email: bbutler@barclaybutlerfinancial.com

Barclay Butler Financial Inc.
#VAMortgage #500CreditScore #VAmanualunderwrite

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