I have a credit score of 624, I make $40k/yr he makes $36k/yr. Can I get a loan with my score and our income?

Question by Stephen M: I have a credit score of 624, I make k/yr he makes k/yr. Can I get a loan with my score and our income?
His credit is bad, so the loan would have to be in my name. I am trying to wait for it to get to 660. If I wait can I get approved for a rate at least 10% or less. Can I add his income? I also have a VA guarantee but we aren't married so I don't think I can add his income to it. If I tried to buy now, how bad would it be? I will put 2% down and I can afford a monthly

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