I just recently got out of the Army as a Staff Sergeant with 7 years in. I am employed and make 3600 a month. My wife has no credit score at all she has not had any loans or credit scores. But she makes 2600 a month. We want to buy a house in Bastrop Tx for around 180000. Is it possible to get a va loan with a low credit score? I had two missed payments in the last 12 months.
      Answer1:It is very unlikely that you will find any lender willing to give you a mortgage with that score, not to mention 2 missed payments in your recent history. In the current economy credit is tight and so are the requirements to qualify. If your score isnt at least 660, lenders wont even talk with you.Work on improving your credit. Pay all your bills on time. You need at least 24 months of consistent, on time payment history for your score to improve. You should also put a set amount of money aside every payday toward a downpayment and closing.
      Answer2:Two missed payments in the past 12 months, a very poor credit score, and a wife with no credit at all? What a disaster! But you two do have a good combined income. Rent for at least a year, make sure all bills are paid on time, pay off credit card in full every month, and save, save, save! To buy a $180,000 house, you should have $36000 down, plus another $5000-10,000 for closing costs, move-in costs, reserves. See if you can save $3000/month. Tough (quite tough) but doable. Meanwhile that $180,000 house may well come down to around $150,000-160,000. If you want a house, make that your priority. No HDTV, no new car, no costly nights out (except do something really nice, not necessarily really expensive, for your anniversary!). Get that Opportunity Fund growing so you can start bargain hunting in about 15-18 months.
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      Answer4:I highly doubt it. My husbands credit score was in the low 600s and mine was about the same the last time we tried to get a home with a VA loan. They said we were getting the house and everything was fine until under writing.... thats right about the time the mortgage crisis blew up into a huge disaster so in the end we did not get the house.
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