A VA loan is great if you have no down payment. There is no mortgage insurance, but there is an upfront lender fee that gets rolled into your loan balance. Interest rates are also comparable to conventional loans. VA loans are also the ONLY loan out there that takes into account that it costs money live once you buy a house. They look at taxes, the cost of child care for any children under 12 (but you stay at home, so that won't be an issue for you) and the cost to maintain the home, lights, heat, food, property taxes, etc. Here is the kicker though, since it is a government loan, even if you do not go on the note as a borrower, any debt that you personally have will be counted in the debt to income ratio. With average credit, I do not think that you guys are buying a $250,000 home on $45,000 of income. Your DTI is going to be well over 40%, which is usually the cut off for VA loan qualification. I would suggest finding a lender and figuring out what you qualify for ahead of time before going shopping with a realtor. Any realtor that is willing you put you in their car without a preapproval from a reputable lender, is not a realtor you should work with.
Used to be a loan processor