Originally posted by @Jesse Waters:
Bad credit doesn't prohibit you from getting a VA loan, it might make the requirements from the bank steeper. I would talk with a loan officer, depending on how your credit looks now, how much debt you have etc, you may find out that you aren't as limited as you think. They may also suggest a few things to help improve your credit.
You can also consider seeing if the seller will go for a lease option type plan with you, then complete the full purchase in a year or two, basically owner financing, but it sounds more straightforward in my opinion.
It does prohibit you from getting a VA loan if it's below there requirements. I've called 26 banks and it's all the same. I am currently improving my credit at the moment but it's not where it needs to be yet to get a VA loan while his opportunity is available.
