I qualify for a VA loan but have $0. available because of a 35k forecloseure.

Hum.. that doesn't sound right.. 100% entitlement is 25% of $417,000 or $104,250.. if the lender lost $35K as a result of a VA foreclosure, that would leave you with enough remaining entitlement to purchase a $277K home.. you still need to satisfy the VA mandatory waiting period and meet all other eligibility requirements, but just because you had a VA foreclosure, does not necessarily preclude you from using VA again.. If you apply for a VA eligibility certificate, it should show you how much remaining entitlement you have left.. If your unsure how to get this certificate, then try contacting a local mortgage professional and let them apply for it on your behalf.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

Another option is to select a lender to work with and have them obtain your certificate and check your "CAIVERS" status which will show whether you have an outstanding debt to the government. If there are issues with the certificate you have have better results checking on them directly. Good luck!