1st Time Buyer (veteran) questionsI live in Florida and am unsure where to start in regards to buying our 1st home. Do I want to start at our Bank or try a broker online? Do I need a real estate agent first before I speak to a lender? Our credit scores are between 600-620. We had major issues due to illness in 2007/2008 that hurt our credit(2 repo's but no bankruptcy). Since then we've had no collections or defaults. Have had 3 car loans since then and have never been late on credit card payments nor anything else since early 2008. Our combined income yearly is $95000. Looking for a loan between 140k and 162k. Monthly payments for loans/cards is $1460. With that being said would we qualify for a $0 down VA loan still with that low of a score and any rough estimates of what interest rate we might expect? Have been using mortgage calculators but kind of hard to know what houses we could comfortably afford without having a ballpark estimate on an interest rate. Thanks for any help you can provide.November 03 2013 - US00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.