Hello, I'm a mortgage professional.
You only need a 600 credit score to qualify for a VA loan with my bank.
If you are below 600 I can probably help you get it above 600 quickly. We have a way to rescore credit rapidly.
As for the medical bills, it would depend when they are from and their status.
The best thing to do is to get a pre approval.
If you would like help with this you are welcome to contact me.
I'm available almost 24/6.