I was wondering if it is possible to get a VA loan with 2 30 day lates within the last year. The 2 Cap One cards now are current and paid off. My middle score is 641. I have virtully no cc debt or car payment. I had got caught up with multiple bills and the holidays and ending up being 30 days late on 2 cap Cards. How much will this hurt me when I apply for a mortgage in May?