There are a select few lenders willing to go down to a 600 score sometimes lower for VA but they are hard to find. I would recommend The Lenders Network they have helped several of my clients with lower scores get approved.
Yes you get a home loan now. I tell all my clients with lower scores to visit The Lenders Network, I have had several of my clients get approved and close with scores under a 580. So if anyone can get you a loan they can..
I work with a lot of Veterans who have less than perfect credit. I tell all my VA eligible clients to visit The Lenders Network, I have seen VA loan approvals from them even with scores under a 580. So if anyone can get you a loan they can, their service is free for Veterans.