VA? No. But perhaps FHA. With a 580 score , it may be done. I say maybe because score isn't everything. The profile of the credit is what they want to see: how many active accounts do you have? How many with collection over $5000? Have you filed bankruptcy before? Does the bad credit happen every year or was it a one time incident? Are you at the credit limit on your accounts? What's causing your score to be so low? From that, a lender will ask: how much have you saved up? Nothing? If nothing, where are you spending your money? If money saved, why aren't you paying your debt? Brutal huh? That's the way it is today. If you'd like, call me and I'll advice you how to get your scores up or where to go to get credit repaired. 404 644 3295. Ask for Bill.