Non purchasing spouseMy husband will be doing a VA loan, in TX, and I will be a non purchasing spouse. He has no debt (no car loan, nothing on his credit card) makes $75k a year plus commission, has significant savings and investment, and a 740 credit score . I am a stay at home mom. I am a cobuyer on a car, but it's my dads car and he makes all payments. 5k left on that. 6k student loans always paid on time. Big thing is a 6.5k medical bill in collections from a hospital stay 4 years ago with no insurance-before we were married. And a few that are 5-6 years old for roughly $400 each. Am I going to mess up our rate or cause penalties? Will we absolutely have to pay any collections before closing?October 28 2012 - Austin00YesReport 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.