Do I even have a chance for a VA or FHA loan?I'm looking to buy a home in October with a VA loan. Here are my issues:1. Chapter 7 bankruptcy discharged in June 20102. Two 30-day lates on a credit card (June 2012/Dec 2012) - still disputing with bank3. Will my student loans be included in my DTI ratio if they are deferred until Dec 2014?My mid-score is 645.Do I even have a chance for a VA loan?Thanks.August 02 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.