How Fannie Mae’s DU Update Impacts VA Loan Approval in 2025

Big news for veterans and homebuyers: Fannie Mae’s Desktop Underwriter (DU) just removed the 620 minimum credit score rule — and that’s changing how **VA loans** get approved.

This update means more service members, veterans, and surviving spouses can qualify even with limited credit history. Combined with the VA loan’s zero down payment, no PMI, and fast approval, homeownership is now more accessible than ever.

But what about VA loan inspection requirements? While VA loans don’t need a formal home inspection, appraisers still check if the property meets the VA’s Minimum Property Requirements (MPRs) — ensuring it’s safe, sound, and sanitary.

Learn how these DU changes affect your eligibility and what every veteran should know before buying a home.

👉 Read the full breakdown on Dream Home Mortgage:

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