If I decided to use the VA Loan for this purchase I would put 10% down on approximately a $180,000 house to secure the lowest VA Loan funding fee.Thank you for taking the time to read this, I appreciate any input

They have secured loans from some veteran credit union to pay the last 5 months rents.

@Aaron Vargas Not to beat a dead horse, but pretty much every large lender throughout the country will do down to 3.5% on an FHA owner occupied loan on a 1-4 unit as long as your credit score is above 580.

I’d try to some local smaller credit unions and savings banks.

W/o specifying the amount of loan and downpayment, credit info it is hard to tell.

You may be eligible for a credit for the taxes that you pay to the other state.If you do the tax return by yourself - make sure to capture items on the closing documents onto your return.

I have a good income (over 100k), 750-800ish credit score, and can put up to 25% down on the loan which is about $387k.

Average credit score is in the high 500's and the average household income is well below national average.

Did you do a background/credit check?

We were stupid to pay him through e-check and have no credit card protection.