Eligibility will be first determined by your husband obtaining a Certificate of Eligibility !
CE in hand you then approach a lender who specializes in V.A. Loans to be
"pre-approved". Underwriting criteria for V.A loans definately require "credit worthyness "
but are not " credit score driven ". The program is specifically designed to "assist veterens "
in their efforts to acheive "home ownership" !
Go to the "source" then follow-up! Use an Agent experienced with the V.A. program too!
BOB BRUBAKER HIGHLIGHT REALTY PALM BEACH COUNTY FL. 51-876-6649
Also you might want to try a credit union because they will not require that you FIT into a typical mortgage. Grow Financial and http://www.GTEFCU.org and NavyFCU.org and http://www.PenFed.org
Also you can get up to $7,500 from the State of Florida Bond Program if you are a first time homebuyers. You MUST work with an APPROVED lender and the credit score MUST be a minimum of 620. Here is info and will have approved lenders listed, too:
All the best,
You will have to get the loan from one of many companies that do VA loans;
Each company has their own requirements for granting you the loan.
You can certainly ask the VA office for guidance, they may know someone,
or someone on Trulia may guide you.
Have you gotten your Certificate of Eligibilty from the VA?
Thanks for serving