How to Apply for a VA Loan in Virginia

If you are an active duty member of the military or retired veteran who wishes to purchase a home in Virginia, obtaining a VA Mortgage is a great financing option. Applying for a Veteran Benefit in Virginia is simple.

First you must meet the following stipulations:

  • Be the living spouse of a deceased service member who died during service
  • Have completed 181 days or more of service during peacetime or 91 days or more of service during war
  • Have served in the reserves or national guard for six or more years
  • If you are no longer in the military, you must have been honorably discharged

If you meet the aforementioned qualifications, the next step is easy. You simply inquire with a VA Specialist to get pre-qualified.  Your VA Specialist can help you get a certificate of eligibility, which you will need for your final approval of your Veteran mortgage.

Documentation Required

Approval often necessitates that you supply several pieces of personal information. This includes relevant documentation regarding previous addresses, financial history, and credit history. Though there are minimum credit requirements, they are very relaxed when compared to the requirements of traditional loan providers.

If you’ve filed bankruptcy there is a waiting period. Though most lenders prefer to do business with applicants who have a credit score of 620 or higher, some will go as low as 600 for otherwise qualified veterans.

Benefits of VA vs. Conventional

Military members in Virginia who receive approval may purchase or refinance homes in beautiful, metropolitan areas like Virginia Beach, Norfolk, or Chesapeake. They can find homes close to the bases where they work, such as Langley or Fort Myer. Though the cost of living is high in some areas of Virginia, many applicants are able to finance homes costing as much as $400,000 or more with no money down.

Other benefits of a VA Mortgage:

  • Forbearance available when a need arises
  • Low interest rates
  • Flexible terms
  • No mandatory private mortgage insurance

Fill out the simple form to the right to start your Virginia VA Loan application today! 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.