How soon can I get a VA loan after a foreclosure? How soon you can get a VA loan after a foreclosure depends in large part on how much VA loan entitlement you have remaining and your credit profile. There are VA lenders that offer financing as early as two years after the default. However, keep in mind that The VA and the lender will have requirements you must meet, such as credit and income standards.
 
VA lenders are generally looking for at least a 620 score. Therefore, the first step is to check your credit scores and then obtain your Certificate of Eligibility. You can get your Certificate directly from the VA. This will tell you how much entitlement you have left, since some of it is likely to be tied up in the foreclosed property. Unless the mortgage loan was repaid, you won’t be able to access the portion of the entitlement used to purchase the property that went into foreclosure. Nevertheless, you may still have enough entitlement left to obtain a new VA loan with zero down payment.