Assuming that you are discussing a purchase where you will be using your husband's VA entitlement and not refinancing an existing VA loan, the VA will require that your total debt to income ratio is 41% or less. If your BK's were discharged more than 2 years ago, you should be OK there. If you have any 30+ day late payments on any mortgages in the past 12 months or any foreclosures in the last 4 years, you are probably out of luck for now. Your credit scores must be at least 580 and more likely, 620. If you do not have a certificate of entitlement, you should order that now or work with a lender like us that has extensive VA experience. We are located close to you in York, PA and are licensed in Maryland. Please contact me at firstname.lastname@example.org if you would like more information.