Here are the 3 Easy Steps to Apply for a VA Loan:
- Determine if you meet the VA Eligibility Requirements. A valid Certificate of Eligibility will need to be ordered (you may do this yourself or the bank can do this for you)
- Fill out a mortgage application and have your credit pulled by the bank. You must meet the Credit qualifications set by the lender. The minimum credit score required is generally 620. It may be possible to get approved if your score is currently down to 600. The bank will let you know.
- Gather all documentation required by the bank to get pre-qualified for a VA loan. Generally all that is needed for this is the most recent 1 month of LES/pay stubs; Last 2 years of W2’s; Most recent 2 months of bank statements. Other documentation may be required depending on your income and/or losses filed on your tax returns.
It’s as easy as that. The bank will issue you a pre-qualification letter for you to provide to your realtor and Shazam! You’re ready to buy your home!!!
“I am so grateful I found you on an internet search. I had talked to my current lender and they were going to charge me $3,000 and I was told it would take 45-60 days with them. You saved me a lot of money and time.” Joel W.
“I wasn’t sure at first because everyone else was charging a 1% origination fee and my realtor told me that if you weren’t then you had to be charging a higher rate. I am so glad she was wrong. Thank you so much for your service and professionalism.” John E.