Good morning saffirerebel,
First, please let me say, "THANK YOU!" to your husband for his Service to our Nation!
Next: While VA Lending tends to be more "liberal" in guidelines for Veterans, that credit score seems to be the sticking point in your qualifying for a VA Guaranteed Mortgage Loans.
While your score appears to be acceptable for most VA Approved Lenders today, we all go by the LOWER scored Applicant; therefore your husband's score is preventing you from qualifying.
Here's what I suggest:
1. Spend a few minutes educating yourself about how to improve your husband's credit scores. I say this because clearly you're not getting proper guidance from the mortgage professionals you're encountering. Depending on the severity of the problems on your husband's credit report, you may be able to increase his scores in a reasonable amount of time.
Here are some links to the best internet resources I've found about Credit:
Federal Trade Commission advice on credit repair: http://www.consumer.ftc.gov/articles/0058-credit-repair-how-
MyFICO education about how credit scores are calculated:
Get your FREE annual credit report to correct errors:
Consumer Action, the BEST non-profit Consumer Advocacy group about Credit:
2. Identify a Local Mortgage Banker who is both experienced (at least 15 years) and Approved for VA Lending. Mortgage Bankers will provide a substantially higher quality of service than a regular bank. You can find Local Mortgage Bankers on the VA website: https://vip.vba.va.gov/SiteDown/siteDown.html
You can verify the License of your Loan Originator and her experience level on the NMLS Consumer Access website: http://www.nmlsconsumeraccess.org/
A great Mortgage Banker will insist on meeting you in person to perform the Prequalification. Even if you're not qualified, the experienced Mortgage Banker can guide you on the steps necessary to improve your husband's credit so you can become a Homeowner in the future.
PowerHouse Solutions, Inc.
185 Great Neck Rd, Suite 240
Great Neck NY 11021
Licensed Mortgage Banker â€“ NYS Dept. of Financial Services
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