What kind of home loan can we get if husband’s income is $3,400 a month, 2 years on the state patrol, and credit score 649 645 639 and my in is $3,700 a month from VA disability, credit score is 612 623 623 but I already got denied for a Va loan because my student loan is in default on my credit score. Want a $185,000 loan for a house. Want to try FHA loan but don’t want to ding our credit so bad trying to get this loan, what loan can we get that will be a guaranty when we try for it?

Answer:
Your student loan default will prevent you from getting a mortgage from any lender Your husband can apply without you but his income is too low to afford a 185k mortgage Suggest you bring your student loan up to date before you start looking to take on more debt.