http://www.recolorado.com/

Keep in mind that your payment will be principal and interest + taxes + insurance. Just because you are qualified to a certain amount doesn't mean that you will be comfortable paying the nut for that amount. If you live well now at $1500 per month than that would be a good starting spot.

Find a real estate agent who is full time, knows the neighborhoods you are interested in and has connections to contractors and bankers. VA is a fine program but there may be better options out their that may work for you and you wife. Know what areas and types of houses are moving and how fast they are moving. In a slow market you have a lot more leverage as a buyer. Price points for houses are just as important as area markets. In some neighborhoods, everything between 150,000 and 250,000 may be moving quickly and houses above 300,000 are on the market for months.

This time of year is actually a good time to look. Only serious buyers and stressed sellers are looking at houses around Christmas.

Good luck with your home search. God's Blessings on you and your growing family.

Be safe.