Apply now or wait?Lease up end of Sept so planned on applying mid July but with the rates going up should I apply now? Only looking to purchase 90-100k with a VA loan. What are my chances? Income 30k BK discharge will be 3 yrs middle of August. On time payments since... perfect rent history etc. However only 2 cc with a combined limit of $1250 reporting for one year but could provide non traditional trade lines. Reserves are 6k but hoping to negotiate for seller assist in closing costs. Fico scores are 682 and 700 (have not checked Experian)June 21 2013 - Indianapolis00YesReport 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.