654 middle score/wife 640..income $128000- each have 1 late in last 12 mo. I can't find VA lender?Finding it impossible to find a lender for VA @ 100% for $215000 in FL. Had a bk ch. 7 in 2002- job loss and a deed in lieu in 2008. I was told that I had to wait 2yrs before I could apply for new mortgage. I have good debt to income ratios and I know what the VA underwiting guidelines are but I'm finding it hard to get approved for VA loan. Don't want to deal with a broker because of high hidden fees and pts. and can't find a reputable lender. What can i do? Trying to buy before rates go up! September 29 2010 - Tampa0YesReport 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.