Louisville Kentucky VA Home Loan Mortgage Lender: Kentucky VA Mortgage loans for Active Duty Milita... : ACTIVE DUTY MILITARY PAY FOR FORT KNOX KY AND FORT CAMPBELL SOLDIERS AND KENTUCKY VA LOAN REQUIREMENTS Kentucky VA Mortgag... Here are 7 reasons why VA loans are the perfect option for veterans: Flexible qualifying and credit requirements. While every mortgage loan has a specific set of underwriting guidelines each applicant must meet in order to qualify for the loan, the qualification requirements for VA loans are more flexible. For example, veterans only need a FICO score of 620 to meet credit score requirements. Zero down payment. It’s a myth that you have to have a 20% down payment to buy a house. While other loan programs feature low down payments , the VA loan program requires zero money down! Yes, you read that correct. When you apply for a VA mortgage loan, you are not required to put any money down (although you could if you wanted). T...