[Jr H]

...my Credit From a Normal Bank Loan Will I Be Able To Get a VA Loan? When I first bought my house, I bought it using a VA Loan then a few years later I got married so my wife and I Refinanced the house in to a 15 Year Non VA Loan with the Deed still being Only in my name not both of our names.With the way that the housing market is today, I now owe more on my house than what it is worth and no bank will Re-Refinance our house in to a 30 year loan so that we can try to save a little bit of money each month.If I decided to just cut my losses and just give the house back to the bank in a Foreclosure what are the changes of me being able to buy another house using a VA Loan?Right now my Credit Score is 748, I've read that your score can drop anywhere from 80 - 200 points in a Foreclosure, I don't know what or why the margin is so Huge but I was wondering if anyone could give me any insight on this please and tell me what your thoughts are.I hope I've explained myself well enough because once i post this I can't reply to my own question but I'll be very interested in reading what you might have to say about this.Thanks in advanced for your help.