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VA manual underwriting guidelines are designed to give an underwriter guidance and the guidelines for manually underwriting, and approving a loan application. A lot of times when a Veteran has higher Debt to Income ratios, lower credit scores and or past credit charge off or collection accounts a Manual Underwrite isA file that gets bounced from the automated system may be eligible for a manual underwrite. This means a real, live underwriter will have to crunch the numbers Landing page with resources and links to information for VA home loan guaranty lenders. The links below are provided as resources for VA lenders. Lender's Handbook-Complete · Table of Contents · Chapter 1 Lender Approval Guidelines · Chapter 2 Veteran's Eligibility and Entitlement · Chapter 3 The VA Loan