You would benefit by getting a snapshot view from a good mortgage officer. I work with one I certainly could recommend and we specialize in the Brooklyn Park, Brooklyn Center and the other West/Northwest suburbs. When you qualify for a mortgage, your situation can help you greatly. For example, you may be eligible for community grants and help if you are a first-time buyer. Some specified areas, types of properties, or even designated homes eligible for particular programs. You can assess with your loan specialist whether the VA loan is best or if you would be better off with another product. When income is assessed, your annual or monthly gross is important, and any other loans or financial obligations come into play, too. Email me or call Liz at 612-986-4105.