Hello Veteran Ecosytem! Huge thanks to Compton for the invite and I am very excited to be a part of this group. I'm Luke, and I run the Tiktok channel @valoanswithluke where I have been able to help hundreds of Veterans and military members purchase and refinance homes. I have specialized in helping those with less-than-ideal credit situations, and we do this through what's called the manual underwrite process. While most lenders require at least a 620 credit score, we actually go off exactly what the VA says in its guidelines that there is NO minimum credit score required on VA loans. If you have any general questions or would simply like to connect, I am here to help! I also have my website valoanswithluke.com that has a ton of valuable information on how the process works, what to expect, and links to my online application and calendar. Happy to help however I can!