VA loan. difference in mine and wifes scores. wait to app?

[redbullinf]

my wife and I will be applying for a VA loan (hopefully sooner than later).  my scores per myfico are 672, 667, and 675.  My wifes myfico are 798, 802 and 797.  She just purchased a Score Power from Equifax and she is at 752.  So Im afraid mine will be lower than on here too.

Obviously hers are very strong.  Mine so-so.  Should we wait and get mine up or are hers high enough to compensate for mine.

I know there is much "more than scores"......Im just curious how this large of gap in scores will hurt or help us.   Good income, $10k combined CC debt on almost 100K available, and AAoA 10 years.

[edcampbell613]

FICO will adjust the rate, not by much on VA loans.

Right now rates are real good, you can wait but rates might go up higher in a few months.

The rate you get now with the low FICO might be better than trying to raise your FICO and wait a few months if rates rise.

What is the loan size?

[redbullinf]

Never thought of that angle, thanks

$200k max. We live in Iowa so $150-200k gets a nice 1300-2000 sq ft relatively newer used home.

[edcampbell613]

@ 200,000 its about 15.00 per month difference per .125% in rate.