Is the current house with the modification under only your name? If so, have you tried to see if your fiancee can get approved on his own? He would have to do it on his own anyway if he wants to use his full VA benefit because until you are married you won't be able to use the full VA benefit.
Have you talked to any lenders in your area? I have a guy local in PA but works for Bank of America and can do loans in most every state. Try Anthony Casey at Bank of America at 484-883-1619 or firstname.lastname@example.org. If nothing else he can give you great knowledge as well as a game plan.
Hope this helps!
Michael P. Gennett, REALTOR®, SRES®
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