How to Get a VA Loan

Step 1 – Get Pre-Qualified

The first step in getting a Vet Mortgage is to contact a Specialist to get pre-qualified for a home purchase using your Veterans Affairs benefit. A Specialist will be able to let you know the requirements, what price home you are pre-qualified for and issue you a Veteran Mortgage pre-approval letter.

Step 2 – Find a Home

Once you have been pre-qualified, the next step is to find a house. Make sure you show the realtor or seller your pre-approval letter so they know you are qualified. Veteran mortgages allow for the seller to pay for the buyer’s closing costs, up to 4% of the amount. If you are going to utilize this VA benefit, make sure that the seller-paid closing costs are specified in the home purchase contract.


Step 3 – Full Application

Once you have found the house you want to buy, contact your Veteran Specialist. They will need a copy of the contract for the house you are buying. From this, they can prepare your full application. They will also prepare all of the required disclosures for you to sign and provide you with a list of personal documents that will be required.


Step 4 – Close

After your lender has received your application and documents, they will process and underwrite your mortgage, including ordering the Veterans Affairs Appraisal. Once you have an approval, you will go to the closing where the loan documents are signed and the purchase transaction is officially completed. And then you get to move in to your new home!! is not a government agency website or affiliated with the Department of Veterans Affairs. has relationships with VA Loan Specialists who work for VA approved lenders. may share your information with these trusted affiliates in order to assist you.