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Getting VA loan approval with collection accounts isn't impossible, but it takes extra work. Lenders will scrutinize your credit history, so be ready to explain each account, especially if it's medical debt. Focus on proving you've been current on your rent or mortgage for the past year, as this stable housing payment often matters more to underwriters than old debts. You might need a slightly larger down payment or higher residual income, but many veterans successfully close this way.

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Bloom Health Centers delivers mental health outpatient care through physical locations and outpatient services for ongoing support.

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Bloom Health Centers supports mental wellness through integrated outpatient care and provides newer treatment options including TMS.