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Turned Down Elsewhere? Get A VA Second Look.

If another lender said no because of credit score, automated underwriting, or a complex file, Vance Scott may be able to review your VA loan through a manual underwriting path for qualified veterans.

Manual underwriting may be available for qualified VA borrowers. Credit profile, rent history, reserves, residual income, VA eligibility, property approval, and lender underwriting guidelines all apply. Approval is not guaranteed.
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Turned Down Elsewhere?

We May Still Be Able to Help.

Some VA files need a closer look than automated underwriting provides. Approved Mortgage reviews the full borrower profile and may be able to help qualified borrowers pursue a manual underwriting path.

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Manual underwriting is a review path, not a promise of approval.

VA eligibility, credit history, income, assets, property approval, reserve requirements, and lender underwriting guidelines must be satisfied.

Why Veterans Choose Approved Mortgage

Work directly with a VA-focused mortgage expert who understands how to structure complex files before they reach underwriting.

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25+ Years Experience

Guidance from a seasoned mortgage professional, not a call center.

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VA Home Loan Educator

Download my free app for VA loan education, eligibility guidance, and next steps.
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500 Score Manual Underwriting

Available for qualified veterans, subject to full VA and lender guidelines.

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One Loan Officer Start to Finish

Personal help from application strategy through closing day.

VA Second Look Pre-Screen

Let’s Address the Hard Questions First

This quick review is designed to identify the best next step before you complete a full VA loan application. It is not an approval or denial.

Optional: Verify Your Mortgage Credit Score First

Consumer credit apps may not show the scores used for mortgage lending. Use Vance’s secure link if you want the most accurate information before answering the credit question below.

CHECK MY MORTGAGE CREDIT
Are you self-employed?
What is your approximate mortgage credit score? Consumer services such as Credit Karma may use a different scoring model than mortgage lending.
Are you prepared to complete a mortgage application so Vance can review the full picture?
Have you had a property foreclosure completed within the past two years?
Which statement best describes your bankruptcy history? Chapter 7 and Chapter 13 situations can be treated differently, so recent or active cases should be reviewed individually.

This preliminary questionnaire is for informational purposes only. It is not a mortgage application, approval, denial, commitment to lend, or guarantee of financing. Final eligibility requires a completed application, credit review, supporting documentation, property approval, and underwriting review. Other restrictions may apply.

Get a clearer mortgage credit picture

Consumer apps may not show the scores used for mortgage lending. Review accounts, late payments, and possible reporting errors before you apply.

Order My Optional Soft Credit Report

Approximately $75, paid directly to the independent third-party provider.

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