Should I even try??

You're in great shape... there are other factors involved in obtaining financing, but your credit score is sufficient for VA financing.. and yes, VA is 100% financing..There are other things that a lender will need to know before giving you the green light such as debt to income ratio, type of income, job longevity, etc... The best advice I can give you is to contact a LOCAL mortgage broker, not the local "Big" bank, and certainly not one of those 50 states internet lenders...By applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with numerous lenders, seeking out the best loan terms for your particular scenario. Because he has lower overhead, he can offer you lower rates and lower fees than most of the larger lenders.. 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. 480-287-5714 WilliamAcres.com

Hi if you are VA eligible this is the best way to go. NO PMI and great rates and no money down. The condo you would be looking to buy must be VA and or FHA approved as a complex so you would need to be sure before putting an offer in.you can contact me for more info if you would like my info is Robert Oliveira with Residential Mortgage Services 508 802 0935 email is roliveira@rmsmortgage.com

YES, and if you have never used your VA, SO much the better for you!!! Call me at 602-330-1598 or you can email your basics, income, etc, assests, debts, , to yourloanpartnerforlife@live.com , so I can see how your VA will work, before pulling credit.. linda

I must agree with my peers here. You sound like the perfect candidate for a VA loan! Find a local broker to help you out with that. If you already have your VA Certificate of Eligibility, you're steps ahead! Depending on your housing market and lifestyle needs, I would also suggest you not rule out a townhouse or single family home, also; when you consider the effect of an HOA fee, I've noticed in my local market that it changes qualification amounts by between $15-20k, right now. Unfortunately, with changing regulations, etc., condo financing has gotten more complex than it should be, but it can be done if you find the right property. You should definitely get out there and buy a place! And, as a side note, there is definitely no worry about anyone laughing at you. Most of us take our job very seriously and have seen all kinds of situations...yours definitely won't be close to the worst your loan officer has seen...plus, we often don't mind working through challenges with people if demonstrated you're motivation and loyalty. Most of us are really nice people if you get to know us! Best of luck to you!