Who's mid score will be used for VA Loan

[2IMPROVE]

I have a mid score of 657 and have a higher income, and my spouse is out on a w/c injury but with a mid score of 704. Who's score will be used.

Also we have a home already, and are considering buying a 2nd home, and selling our existing home.  Does anyone no anything about the buyers up programs that builders are promoting.  Are they good or bad?? 

Thanks

[Anonymous]

I was going to use a VA loan for my first mortgage. I ended up using citimortgages. In the end of it all my payments were 80 dollars less.

To anwser your question I belive it will be yours unless she is the veteran.

[2IMPROVE]

Sorry I was not clear.  My spouse is the Veteran with the 704 mid score, and out on w/c injury.

[ShanetheMortgageMan]

VA has no score requirement, it's credit history based.

[2IMPROVE]

Okay when you say credit history based.  Will they be just looking at if we are current on our existing debt. 

We have some lates on our current mortgage, but have been current for the past two years.

[ShanetheMortgageMan]

If your credit history is clean for the past 24 months then you should be fine as far as the credit history is concerned... then the only other factor is debt-to-income ratio.