What if you paid your credit cards off (only $2500) (could get you a score bump), and sold your car and paid cash for a oldie but goodie for like 4k or so....then you would eliminate those payments and just show owing only your student loan? Your ratios would be better. Have you talked with a VA mortgage loan person? Don't get discouraged as there are many good VA loan options!
Also check out the Rebuilding forum and see how you can work on getting those charge offs removed from your credit report (I just got two off my reports by writing goodwill letters and asking). Put a patriotic spin on your letter - seemed to work for me.
Don't get the mortgage now. Work on the charge offs and get your debt down. As some have already said above, the rebuilding section has a wealth of info. to help you.