The 2nd tier entitlement doesn't kick in until you go over $144,000 on the 2nd loan.
I can do VA loans down to a 580 so you 630 score is fine.
I specialize in VA financing & would be honored to help you.
Take a look at the recommendations from some of my past clients on my Trulia profile by clicking the link below my phone number.
Please feel free to contact me for more information or help.
Senior Mortgage Banker
Lending in ALL 50 states
Great Plains National Bank
Apply Online: https://secure.smartapp1003.com/102471/?loanofficerid=106115