Final answer:
a) Credit score.
For VA loans, the two qualifying criteria are debt-to-income ratio and credit score, with the latter being a measure of an individual's creditworthiness based on their financial history.
Step-by-step explanation:
In the context of VA loans, qualifying criteria involve assessment of an individual's financial responsibility and capability to repay the loan. Alongside debt-to-income ratio, the VA also evaluates a borrower's credit score for loan qualification. While loan-to-value ratio, employment history, and loan term are also important metrics in general lending situations, for VA loans specifically, the correct answer is a) Credit score. The credit score reflects a borrower's credit history and is indicative of their likelihood to repay the loan based on past financial behaviors.