Will I qualify for a VA home loan?

[Anonymous]

My wife and I are looking to buy a home when are lease is up in March using a VA home loan. We are both first time home buyers.

Our mortgage scores-

Mine: ~730 currently, trending upward

Her's: 760+

Employment:

Mine: USDA (Federal) $37k/year Will only have 1 year employment history at application time. This is my main concern, though one year is past probationary period for federal employees. My prior employment history was rocky due to 5 deployments.

Mine: MO Army National Guard: E6 ~ $9k/year been there 11 years

Mine: 10% VA Disability

Hers: High school teacher: 2 years $32k/year

Debt:

Mine: Will have 12k left on 2016 prius

48k in student loans that the Natinoal Guard is contracted to pay off

Hers: Will have 12k left on car

Student loans: 10k

The house:

State: MO

Price: 170k

[Anonymous]

Any feedback is appreciated. I'm thinking my wife's great scores coupled with her stable employment should be pretty sufficient.

[dragontears]

Instead of listing the balance of your debts (i.e. cars) you need to list the monthly payments so people can help figure out if your DTI is ok

[Anonymous]

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@dragontears wrote:
Instead of listing the balance of your debts (i.e. cars) you need to list the monthly payments so people can help figure out if your DTI is ok

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My car payment = $398 a month. (I pay $500)

My student loans = ~$42000 deferred and under contract with the military for payment. (not sure how that may affect DTI)

Her car payment = $344 a month

Her student loans = $100 a month

No other monthly expenses or debt