We had a home loan modification 14 months ago due to extenuating circumstances (adopted special needs child several years ago which snowballed). We've gotten back on our feet and FICOs are increasing steadily, but not great yet. Mine is 630, wife's is 660. I qualify for VA loan and it gets auto approved through the VA desktop underwriting system.Is there any lender out there that will give us a loan?! Somebody help! Thanks so much.