How does the process for using a VA home loan work? Will I be able to qualify if I have terrible credit but stable income?

I just checked into that and you’d be surprised at how it works. They do check credit scores and go off your income and your spouses if you have one. If you don’t have the best credit it may not be a good idea to invest in now until you build up that score. They also consider other things you pay for- in my case daycare and other bills. I spoke with veterans united lenders and they gave me great info.

The VA does not issue loans, they guarantee a portion of the loan if you default. The VA doesn't perform a credit check. So, where the VA is concerned, they don't care what your score is. But...... a lender will check and care. Minimum credit scores will vary from lender to lender. The cheaper the home, the more likely the approval rate with bad credit. But, that may create a new issue. A cheap home usually translates to a home the VA will not approve. The home must be safe, livable and your primary residence.
I would work on improving your credit score. You would be amazed at how easy that is. It takes time and you have to work staying on top of it. The FCRA is your friend and use it to your advantage. A lot of times a negative mark on a credit report can be resolved with a well written letter.

SPC Onel Cruz Information about the VA Loan program.

https://www.benefits.va.gov/homeloans/