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Credit and Your VA Loan. Credit plays an important role in every potential homebuyers’ ability to receive a loan for the home of their dreams. Prospective homebuyers hoping to use their VA benefit will see that credit not only helps determine approval for the loan, but also plays a role in the interest rate you qualify for.
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For example, when you have a high debt to income ratio, your credit score will take a hit, and you may not be able to qualify.