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VA Loans & Manual Underwrites Explained | What Real Estate Agents and Veterans Need to Know

Have you or your clients been turned down for a VA loan because the file didn’t pass through the automated system? Don’t give up! A manual underwrite could still get you approved.

In this video, I explain what a manual underwrite is, when it’s required, and why it can make all the difference for veterans whose credit or income doesn’t fit the automated box.

Many people don’t know that the VA doesn’t have a minimum credit score requirement — but most lenders do, usually between 580–620. That’s where working with a mortgage broker gives you an advantage. I work with multiple lenders and underwriters, each with different overlays, so we can find the one that’s most flexible for your situation.

Key Takeaways:
• What manual underwriting means
• When it’s required for VA loans
• How compensating factors can help with approval
• Why VA doesn’t have a credit score minimum
• How a broker can help you find the right lender

If you or your client has been told “no,” let me be your second chance lender. Reach out for a second opinion — you might be closer to homeownership than you think! 🇺🇸

If you have any questions or comments, please leave them in the section below.

For more mortgage loan info I am here for all your mortgage needs. If you have any questions
Call or text me 915-478-1157

Apply Now at https://www.mortgagemasterep.com

Edge Home Finance
7362 Remcon El Paso, TX 79912 NMLS# 891464
ReAnn Gonzalez NMLS# 219070

Chapters:
00:00 VA Loan Denials – There’s Another Option
00:35 What Is a Manual Underwrite?
01:04 Credit Scores, Overlays & Flexibility
01:54 When a Manual Underwrite Is Triggered
02:35 How Brokers Help Veterans Get Approved
03:02 Final Message – Don’t Let “Refer” Stop You