Hi, I am a VA Loan Specialist at a Federal Bank working specifically with veterans. I have worked with veterans for over 11 years and as a courtesy to my veteran customers, I charge ZERO bank fees with no rate penalty at all. Giving up is not an option for me when working with my customers. I will work with you to help show you how to get your score improved. I've actually been able to get veterans into their homes that came to me with 580 credit scores! I'm available anytime to all of my customers. My office number is 913-647-7039 and my cell is 913-827-7771.