Homebuyers with prior credit issues and lower credit scores can qualify for VA loans with bad credit. A borrower's credit score is what determines whether they can even qualify for a mortgage loan. In this blog, we will focus our topic on VA loans with bad credit. VA home loan with bad credit are the best mortgage loan program in the nation. However, only active and/or retired members of the U.S. Military with a certificate of eligibility (COE) are eligible to qualify for VA loans. Eligible borrowers with less than perfect credit and/or bad credit and higher debt-to-income ratios can qualify for VA loans.