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Husband and I are in the market to buy a home. My husband recently solely applied for a $310,000 VA mortgage from Navy Federal with $60,000 income and was denied but was told "it was close." His late pays are whats hurting him.Here are our details:-Husband credit score: 655-My credit score: 648-I have 3 years of clean payments, no lates (2 student loans, 2 car payments)-Husband has 1.5 years of clean payments on 3 student loans, 1 car payment and 1 credit card EXCEPT he had one late payment in october on a student loan because he was deployed and I was locked out of his account online and wasn't authorized to speak to them on the phone.Navy Federal told him that if he didn't have that late payment in October he would probably be ok. I'm currently trying to dispute it but Sallie Mae is being difficult. Main question, if we lower the amount of the loan we are requesting to $280,000 and add my credit and income of $40,000, will we be more likely to be approved?Do we go back to Navy Federal or do we find another VA lender? And how would we know where to find a credible VA lender who will work with us??
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