You'll be able to go with a VA loan if you are eligible. Do you know where your credit is at? Have you pulled your credit report? Below is t he link to do that. You can pay a small fee to get your credit score at each of these sites. Experion, Transunion and Equifax are the three credit reporting agencies. Talk to a lender after you have your information. A lender can pull the information for you too. It doesn't hurt your credit for you to pull it but don't let too many other people pull your credit.