Update:
I emailed my mortgage banker this morning with a few questions and one question I asked was about my charge-offs and if he thought there would be any conditions around them. His response was:
"I have already ran a USDA approval and it didn’t say anything about your charge off accounts. So no worries there at all..."
So, I guess I'm a little baffled by this. We haven't submitted an offer on a house yet (looking at 3 more tomorrow: we have had 2 we have liked fall thru in the last 2 weeks. Is there some database or program that he runs my info thru at the beginning of this process?