Bad Credit Alabama VA Mortgage Lenders

ALABAMA mortgage specializes in good and bad credit VA mortgage loans even no credit score ALABAMA VA loans in every city and county in ALABAMA. VA mortgages are guaranteed by the Department of Veterans Affairs (VA). These Alabama VA mortgage loans were established to provide transition assistance and other benefits to men and women who served or are serving in the Armed Forces of the Nation. This includes the Army, Navy, Air Force, Marines, Reservists, National Guardsmen, and certain surviving spouses. Also, if you are a disabled veteran, you may qualify for additional ALABAMA VA mortgage benefits. Including reduced or elimination of ALABAMA property taxes. We are proud to provide 100% Bad credit ALABAMA VA mortgage approvals down to 550 fico score va purchase or ALABAMA VA mortgage refinance!

ALABAMA VA mortgage benefits that only come with a VA mortgage:

The VA Mortgage guaranty program does not impose a maximum amount that an ALABAMA veteran may borrow using a VA Mortgage but the ALABAMA VA Loan limits the maximum guaranty amount to$424,100.


VA Mortgage Lenders Serving Every City and County in ALABAMA!



You must have suitable credit score MINIIMUM 550, sufficient income, and a valid Certificate of Eligibility (COE) to Qualify  for aanALABAMA VA  mortgage. The ALABAMA home must be for your own personal occupancy. The approval requirements to obtain a COE are listed below for Service members and ALABAMA Veterans, spouses, and other eligible beneficiaries. VA mortgage loans can be used to:


ALABAMA VA Mortgage lenders allow for both traditional and alternative credit trade lines. However, most ALABAMA mortgage lenders require that you must have at least two lines of credit that you have maintained for at least a 12 month payment history.

Alternative lines of credit for NO CREDIT SCORE MORTGAGE APPROVALS for VA mortgage applicants are used to provide the ability and willingness to pay debt. VA alt trade lines defined as continuing proof of payment for direct service provider obligations, such as electirc, cell-phone,  home-phone bills, rent history, car insurance, which require a timely monthly  payment in order to establish a 12 month payment history. To be used as an alternative credit trade line must have existed for at least 12 months.

VA mortgage lenders do not consider absence of a credit history as an adverse factor. However, a minimum 12 month history of the VA mortgage applicant, including residence, income, assets and credit must be  proven.

Alabama VA Mortgage Funding Fee Tables

Type of veteran Downpayment Percentage for First time Use Percentage for

Subsequent Use

Regular Military None

5%or more

10%or more




3.3% *






5%or more

10%or more




3.3% *



Note:In 2011,funding fees were lower from October 1 through October 5,and November18 through November 21. The enactment of Public  law 112-56,signedNovember 21,2011,establishes rates at the levels below throughSeptember 30,2016.Prior to September 30,2016,we will publish updated information on the fees for loans closed after that date.

Cash-OutRefinancing Loans:

Type ofVeteran Percentage forFirstTime Use Percentage forSubsequentUse
Regular Military 2.15% 3.3% *
Reserves/National Guard 2.4% 3.3% *

Note:Thereare no reduced funding fees for regular refinances based on equity.Reduced fees only apply to purchase loans where a down payment of atl east

5 percent is made.

*The highersubsequent use fee does not apply to these types of loans if the Veteran’s only prior use of entitlement was for a manufactured home loan.


VA Status Qualifying Wartime & Peacetime Periods Qualifying Active Duty Dates Minimum Active Duty Service Requirement
ALABAMA Veteran WWII 9/16/1940 – 7/25/1947 90 total days
Post-WWII 7/26/1947 – 6/26/1950 181 continuous days
Korean War 6/27/1950 – 1/31/1955 90 total days
Post-Korean War 2/1/1955 – 8/4/1964 181 continuous days
Vietnam War 8/5/1964 – 5/7/1975 *For Veterans who served in the Republic of Vietnam, the beginning date is 2/28/1961 90 total days
Post-Vietnam War 5/8/1975 – 9/7/1980 *The ending date for officers is 10/16/1981 181 continuous days
24-month rule 9/8/1980 – 8/1/1990 *The beginning date for officers is 10/17/1981
  • 24 continuous months, OR
  • The full period (at least 181 days) for which you were called or ordered to active duty
Gulf War 8/2/1990 – Present
  • 24 continuous months, OR
  • The full period (at least 90 days) for which you were called or ordered to active duty
Currently On Active Duty Any Any 90 continuous days
ALABAMA National Guard & Reserve Member Gulf War 8/2/1990 – Present 90 days of active service
  • Six years of service in the Selected Reserve or National Guard, AND
    • Were discharged honorably, OR
    • Were placed on the retired list, OR
    • Were transferred to the Standby Reserve or an element of the Ready Reserve other than the Selected Reserve after service characterized as honorable, OR
    • Continue to serve in the Selected Reserve

*If you do not meet the minimum VA service service requirements, you may still be eligible if you were discharged due to (1) hardship, (2) the convenience of the government, (3) reduction-in-force, (4) certain medical conditions, or (5) a service-connected disability.

Spouses The spouse of a ALABAMA Veteran can also apply for home loan eligibility for a VA mortgage under one of the following conditions:

  • Un remarried spouse of a ALABAMA Veteran who died while in service or from a service connected disability, or
  • Spouse of a ALABAMA Service members missing in action or a prisoner of war
  • Surviving ALABAMA spouse who remarries on or after attaining age 57, and on or after December 16, 2003
    (Note: a surviving ALABAMA spouse who remarried before December 16, 2003, and on or after attaining age 57, must have applied no later than December 15, 2004, to establish home loan eligibility. VA must deny applications from surviving spouses who remarried before December 6, 2003 that are received after December 15, 2004.)
  • Surviving ALABAMA Spouses of certain totally disabled veterans whose disability may not have been the cause of death


Although ALABAMA VA mortgage do not have a maximum dollar amount, ALABAMA mortgage lenders who sell their VA loans in the secondary market must limit the size of those loans to the maximums prescribed by GNMA (Ginnie Mae) which is currently 417,000..


Any ALABAMA homestead by a veteran who was honorably discharged with a service-connected permanent and total disability and for whom a letter from the United States Government or VA or its predecessor has been issued certifying that the veteran is totally and permanently disabled is exempt from taxation, provided the veteran is a permanent resident of the state on January 1 of the ALABAMA tax year for which property exemption is being claimed or on January 1 of the year the veteran died.


In addition to these benefits, the VA Mortgage Loan program offers default assistance to veteran borrowers in financial difficulty through a higher level of service and a greater range of alternatives to avoid foreclosure. Delinquency and foreclosure rates for VA mortgage loans are substantially less because of the VA mortgage protections in place.


The Veterans Administration assesses a Funding Fee to all VA loans between .5% and 3.3% of the loan amount. The VA mortgage funding fee is added into the VA mortgage amount of the loan to be paid over the life of your VA mortgage loan. The VA mortgage Funding Fee replaces the much higher priced ALABAMA (PMI) Mortgage Insurance required when you get a conventional home loan. Disabled ALABAMA Veteran homebuyers may even qualify to get the fee waived completely.


The VA offers excellent qualifying standards. The VA does not use credit scoring as their primary analysis of the loan. ALABAMA VA mortgage applicants with some past financial difficulties may still qualify for a VA mortgage loan. The VA mortgage can be a tremendous savings compared to the cost of conventional loans for those veterns with past credit issues.


VA mortgage loans have built in features allowing a ALABAMA VA mortgage to be refinanced to a lower interest rate without all of the criteria normally red tape associated with a conventional mortgage. This is called an Interest Rate Red

.. . 05-10-09 1941 – 1988 Alabama Army Ammunition Plant – Childersburg, AL
04-27-03 1942 – 1945 Anniston Army Air Field – Anniston, AL
04-02-03 1949 – 1952 Anniston Air Force Base – Anniston, AL
Bates Field – Mobile AL
05-10-09 1942 – 1948 Birmingham Army Air Field – Birmingham AL
04-04-07 1938 – 1947 Brookley Army Air Field – Mobile, AL
09-22-02 1948 – 1969 Brookley Air Force Base – Mobile, AL
Camp Rucker – Ozark, AL
08-23-02 Camp Sibert
Childersburg Ordnance Plant – Childersburg, AL
Coosa River Ordnance Plant – Talladega, AL
08-19-03 Courtland Army Air Field – Courtland, AL
09-16-02 1947 – 1977 Craig Air Force Base – Selma, AL
04-04-07 1940 – 1946 Craig Army Air Field – Selma, AL
05-10-09 Demopolis Army Air Field – Demopolis, AL
10-20-09 1959 – 1968 Eufaula Air Force Station – Eufaula, AL
06-22-02 . Fort McClellan – Anniston, AL
10-20-09 Gadsden Ordnance Plant – Gadsden, AL
08-23-02 Gerstle River Test Site
03-13-05 Gunter Air Force Base – Montgomery, AL
09-01-02 Gunter Army Air Field – Montgomery, AL
Huntsville Arsenal
09-27-02 Maxwell Army Air Field – Montgomery, AL
06-22-02 Mobile Naval Air Station – Mobile, AL
05-10-09 Moton Aux Field (Tuskegee) – Tuskegee, AL
09-06-03 Napier Army Air Field – Dothan, AL
05-10-09 Ozark Army Air Field (Fort Rucker) – Ozark, AL
Redstone Arsenal
Reilly Field (Fort McClellan) – Anniston, AL
08-23-02 Theodore Naval Ammunition Magazine
10-20-09 1959 – 1969 Thomasville Air Force Station – Thomasville, AL
Tuskegee Airport – Tuskegee, AL
02-01-03 Tuskegee Army Air Field – Tuskegee, AL
02-05-05 Taylor Field – Montgomery, AL


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