MYTH - You Need Perfect Credit to be Approved The Myth: Many potential homebuyers s hy away from exploring VA Home Loans due to the mistaken belief that impeccable credit is an absolute necessity for approval. The Truth: You don’t need perfect credit to qualify for a VA loan. Many people assume only borrowers with excellent credit are eligible — but VA loans are specifically designed to make homeownership more accessible for veterans and military families. Debunking the My