Thank you for the post I am Mike Gracz from the Gustan Cho Associates for more details. I am an expert in VA mortgage lending! You can reach me on 630-659-7644 or email me at email@example.com. I would like more details about your situation so we can come up with the best plan for you. Many times you are not required to pay off collection accounts when obtaining VA financing. We will send you through our underwriting department and FULLY PRE-APPROVE you before you put an offer in. Please see my blog on the Gustan Cho Associates PRE-APPROVAL PROCESS. What state are you looking to buy a home? I look forward to hearing back from you.