Frankly, I would not worry about so called wonderful mortgage companies that can somehow magically get you approved for a VA mortgage - a couple of responses discusses to get your credit FICO score improved and I think that is the answer. You make a great income and just need to improve your credit situation. Call me and I can refer you to individuals who can really help you over the medium term haul.
Royce Simmonds, Broker-Owner
Simmonds Real Estate Inc. Schertz (NE San Antonio)
210-269-8086 Direct Cell]
36 years Air Force Active Service (15 Enlisted/21 Officer)