Question: Can I Get a VA Loan if I Have No Credit History?
Answer: As long as you meet the eligibility requirements, a lack of credit history shouldn't present a problem.
If you don't have an established credit history, per the VA guidelines, lenders must take into consideration how you've handled your other financial obligations such as rent, utilities, phone bills and auto insurance.
Basically, if you've paid all your other bills on time and meet the other loan requirements, a lender cannot decline your application simply because you don't have a payment history pertaining to loans or revolving credit.
More VA Loan Information for Members of the Reserve and National Guard.
