I would recommend you speak with a financial advisor, then your accountant. Realtors are neither. Next, talk with a local lender about what to expect, money down, and etc on a VA loan. I think you will be pleased with their answers.
Some numbers you should have avaialble for review would include your current mortage and what rate your other "debt" is, IE are we talking about credit card debt? For example 21% interest rate on a credit card Vs 4% home mortgage? Pretty easy math on that one.
Best of luck.