does a short sale affect credit score?
Not if your loan payments are current prior the sale, A short sale can occur simply because you owe more on your home than it appraisers and/or can sell for.

my question is how to convert VA loan into a Conventional loan
You would have to do a refinance if your going from VA to Conventional- What would be the purpose of going to a conventional loan? Looking to purchase another home using VA? Call me to discuss - Christine @ 985-956-7555 - Look forward to hearing from you!

Do i meet the usda income requirement
Yes, your income qualifies. Call me for more details Christine @ 985-956-7555 or you can go to my website and apply online @ www.southwestfunding.com/cellison. Thanks for the opportunity!!

is there a minimum credit score required to qualify for VA 100% financing
Typically 600, possible as low as 580 -- depends on other credit items. Would be happy to discuss more details- Christine Ellison - Southwest Funding- Hammond, LA. Office 985-956-7555 or cell 504-322-6098

can my friend and I go in on a mortgage together even though we are not married or related?
Yes, both can be on the loan/house title - Call me to discuss, Christine Ellison @ 985-956-7555 office or 504-322-6098 cell or email cellison@southwestfunding.com

Who is responsible for closing costs on a home?
Buyer is responsible for his/her closing cost but typically would be negotiated as seller paying. You can contact me for further details - Christine Ellison Southwest Funding, Hammond, LA. 985-956-7555

cannot be on mortgage because of credit - can i gift my wife funds for down payment?
Louisiana is community property state, Not an issue - You would be on title just not on mortgage. Would be happy to work with you, you can apply on line at www.southwestfunding.com/cellison - Good Luck! Christine Ellison , Hammond, LA. 985-956-7555