Desperate Need

[Demitrius Covington]

Currently I am under contract trying to purchase a home under the VA loan guidelines. The company I am with is not recieving a final approval because I have two late payments for my credit card back in December. I am working dilligently to get those removed since they shouldn't be on my report at all. My mortgage officer is advising me to switch programs and use the FHA loan. But unfortunately I do have the money to cover the 3.5% down payment for a house at 215,000. The questions are is there anyway I can speak with someone to remove the late payments on my credit report outside of the actual bank because I tried that and its not working? My second question is how can I go about obtaining funding for down payment? I have no family members with extra cash and I have about 2500 of the 3.5 can anyone please point me in the right direction?