I love it. You found the house and now you are getting to work. To your credit; I can tell that you are motivated to make this happen, which is one of the most important factors. It's hard to help the lazy, but I believe you are different.
VHDA allows you to go to 50% DTI with caveats. I would have to go through a series of questions to determine if VHDA is a viable option.
100% USDA financing is also a possibility, depending on the location of the property.
I am slightly concerned about the recent payment of your repossessed car. Depending on how/when it was last reported, your recent payment may reduce your credit scores.
Please give me a call tomorrow (Tuesday) so that we can discuss. Your time is limited, so in order to make this happen on time, we would need to start ASAP.
Have you been helped? You need to find a good neighborhood, especially Woodbridge.
Look into the schools too before you decide.
Let me know, especially since one is senior year. Decide cautiously and after
looking at what is happening in the community and schools.
Go visit the schools and meet with the counselor before you decide on where
to rent in the community.
703 244 3997