“Dear Steve,

I am thinking of getting a VA Loan. I would be buying the house with my boyfriend. I have great credit (780) but his is low, and has 2 foreclosures. I don’t feel I have enough income to only use mine. I’m tired of renting and have done it my whole life, I’m 35. Any advice you could give would be greatly appreciated.

Would our credit balance each other out? Or would the interest rate be really high because of his bad credit and it wouldn’t matter that mine was good?

Shelly”