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How apply for a VA home loan

Aside from the veteran's certificate of eligibility and the VA-assigned appraisal, the application process is not much different than any other type of mortgage loan.

Difficulty Level: Average      Time Required: 1 Hour

Here's How:
  1. Apply for a Certificate of Eligibility. If you don't have one, complete VA Form 26-1880, Request for a Certificate of Eligibility for VA Home Loan Benefits and submit it to any VA Eligibility Centers along with copies of your most recent discharge or separation papers covering active military duty since September 16, 1940, which show active duty dates and type of discharge. [See Related Features for more assistance.]
  2. Pick out the house you want and sign a purchase agreement.
  3. Request an appraisal from the VA. (Usually done by the lender.) Call your nearest VA office for information on their "speed-up" telephone appraisal system.
  4. Apply to a mortgage lender for the loan.
  5. Close the loan and move in. Welcome home!
  1. While the appraisal is being done, the lender (mortgage company, savings and loan, bank, etc.) can be gathering credit and income information. If the lender is authorized by VA to do automatic processing, upon receipt of the VA or LAPP appraised value determination, the loan can be approved and closed without waiting for VA's review of the credit application. For loans that must first be approved by VA, the lender will send the application to the local VA office, which will notify the lender of its decision.
  2. Even though many veterans have already used their loan benefits, it may be possible for them to buy homes again with VA financing using remaining or restored loan entitlement. Contact your local VA office for more information.

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