By Steven Hyde, Founder, Hyde Funding · NMLS #391380. Reviewed October 23, 2026. Hyde Funding is a mortgage lender headquartered in San Diego, lending nationwide since 2015, and is not affiliated with the U.S. Department of Veterans Affairs.
Short answer: Yes, often. The VA sets no minimum credit score. It looks at your whole financial picture, including residual income, payment history, and debt-to-income. Hyde Funding welcomes all credit profiles. If your credit needs significant work, we can refer you to a trusted credit repair partner and pick up when you are ready.
Recent payment history (especially the last 12 months), residual income, debt-to-income, and explanations for past problems. See residual income.
Recent late housing payments, open collections or judgments, and unpaid federal debt. Older problems with a clear explanation matter less.
We start by reviewing your tri-merge report and pointing out quick wins (utilization, errors, rapid rescore through your loan file). If your credit needs deeper work, we refer you to a trusted third-party credit repair partner, then re-review when you are ready. See credit repair before a VA loan.
Apply. A real review beats guessing from a score app. Hyde Funding welcomes every credit profile, so apply even if your score isn’t where you want it. If your credit needs significant work, we can refer you to a trusted credit repair partner.
The VA does not set one. Hyde Funding reviews every credit profile.
Often. Under 38 CFR 36.4340, collections don’t have to be paid off if you are otherwise a satisfactory credit risk, but court-ordered judgments must be paid before closing.
We refer clients whose credit needs significant work to a trusted third-party credit repair partner. Our loan team still handles rapid rescores and credit guidance on your loan file.
Talk to Steven: (858) 775-1005 · Free VA consultation · Apply now
Steven Hyde, NMLS #391380. Equal Housing Opportunity. Hyde Funding is not a government agency and is not affiliated with the VA. This is general information, not a loan commitment; terms depend on credit, income, property, and lender approval.