Sometimes, a VA borrower does everything right — good credit, stable income, strong eligibility — and still hears:

“Sorry, we can’t get you approved.”

But as Vetted VA professional Scott Schang reminds veterans, that denial may say more about the lender’s limitations than your qualifications.

If your lender isn’t experienced with manual underwriting, they might stop at a “Refer” decision from the automated underwriting system (AUS) instead