My husband has a 560 and I have a 530. My score may be going up after I did a PFD on a collections account of 3846, settled an old credit card of 16k for 6k, and paid in full another collections of $2500. Both of us just opened secured credit cards with a $500 limit. My husband and I also just got a new car loan of $22k this month. We have each raised our credit scores 50 points in the past 2 months not including these changes. My DTI is 10% and his is maybe 1% because both cars are in my name (he is co-signer on the new one). We make 120k/yr post tax.

    My husband is pcsing to OK in October and we’re hoping to buy because it’s hard to rent with the number of animals we have(3 dogs,2 cats,2 snakes). We’re currently working with Veterans United but it’s not looking like we’re going to hit 620 in time. I’m looking for alternative options to buy with the scores we have now or whatever they look like next month when the changes populate.

    Are there any companies we would be able to get a Va loan with our credit as it is now? The houses in the area we are moving to range from 220k to 325k.

    Best lender for VA loan with bad credit?
    byu/Beginning-Dress-618 inMilitaryFinance



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