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No idea about veteran benefits may be available. That is where google and a good lender comes handy.
Total DTI (debt to income) ratio needs to be under 35%.
Mid FICO scores should be at 620/640 or better.
During a refi current appraised value to loan amount should be 80%
Several options to consider:
Pay off the credit lines using borrowed money from family/friends, repaying the short term loan from the refinancing. Services like Rapid Rescore will get the paid off credit lines updated within days to the reporting bureaus, thus FICO scores will go up.
Someone in the family could serve as primary co-borrower,using their eligible FICO, income history and DTI to qualify for the refi.
Have someone outright buy the property from grandma. There are great first time homeowner programs that allow for 3% down + closing costs. There are grants available to cover the closing costs, either by it being treated as a short term loan, or at some point some grants actually forgive the small debt.
Hope that helped!
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"The time men spend in trying to impress others they could spend in doing the things by which others would be impressed."
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