MANUAL VA UNDERWRITING LOAN PROGRAM
Frequently Asked Questions
What is manual VA underwriting?
Manual underwriting involves a more hands-on approach to evaluate a borrower’s
risk when they don’t meet automated guidelines.
With VA loans, manual underwriting can be crucial for clients with lower credit scores,
unique income situations, or other factors that fall outside traditional requirements.
We will work directly with our underwriters thoroughly review credit, income, assets,
and other financial components to determine eligibility.
Why manual VA underwriting?
VA loans allow lenders to do manual underwriting, offering flexibility and a path
forward for clients who otherwise might not qualify.
With manual underwriting, buyers may have a better chance of approval, helping you
secure a home for your client when they thought it might not be possible.
When is manual VA underwriting used?
Manual underwriting is typically considered when:
• The buyer does not meet AU standards.
• The buyer has recent derogatory credit (e.g., late payments or a past
bankruptcy).
• The buyer has a low credit score but a stable payment history.
• There is a unique employment or income scenario that the AU system doesn’t
fully understand.
Want to chat first?
CALL OR TEXT US:
(830) 445-7143
Stephen Roberts
Branch Manager
Mike Gonzalez
Broker