Common questions
How long does VA pre-approval take in Oregon?
Most Oregon VA pre-approvals finish within 24 to 48 hours once your income and asset documents are in. We pull your Certificate of Eligibility, verify income and credit, and issue a letter you can attach to an offer.
What credit score do I need for VA pre-approval?
The VA sets no minimum credit score. Most Oregon VA files clear at 580 to 620, and stronger compensating factors like residual income and reserves can support a lower score. We review your credit before you shop.
Is a pre-approval better than a pre-qualification?
Yes. A pre-approval is backed by verified income, assets, and credit, while a pre-qualification is only an estimate. Oregon listing agents want to see a true pre-approval letter before accepting an offer on a competitive home.
Authoritative source: how to request your Certificate of Eligibility.