Even though they ask for your work history for the past two years on a mortgage application, there is NO requirement that you have two years on your current job for income to qualify. I have worked with many borrowers who have been approved with short time jobs after finishing school or simply changing to a better position. If the current employer will confirm that your employment is likely to continue the chances of approval are excellent.
Your credit balances are not an issue on a mortgage application but the amount of the payments in relation to your income is crucial. It is possible to be approved with payments that exceed 41% of your gross monthly income, but you probably want to keep your total debt payments to that amount or lower. If you need your girlfriend's income to qualify for the home you want, you probably need to work on improving her score. VA does not have a minimum score but every lender I am aware of requires at least 620 and will only approve lower scores on an exception basis. VA will not approve a loan if you are delinquent on any Federal debt such as a student loan or a tax lien. Talk to a loan officer or credit counselor about the best ways to improve your score in the shortest amount of time. Some things may not need to be paid, or even transferring balances can make a positive difference. Paying $500 on a maxed out $1000 credit card will improve your score, while using that $500 to pay a past due medical bill probably will not.
Licensed Loan Officer in Ohio