The Process

Pre-qualification is the first step in the home buying process as it lets you know how much home you can afford. To begin, simply fill out the contact form at the bottom of this page and we will be in touch with you shortly. We will then be able to guide you toward the right loan option for you. And move on to getting you pre-approved.

Next, we will give you a preapproval folder with all of the paperwork and information you will need to complete the preapproval process. After you fill out and return these documents, we will then be able to issue a preapproval letter that indicates to real estate agents that you are capable of buying a home with your current financial status. You will also be given a list of conditions that must be met so that we can finalize your VA Loan. It is important that you provide: tax returns, W2s, employment history, pay stubs, proof of any real estate assets owned, and your bank or investment statements.

At this point you will now have a solid idea of how much home you can afford. It’s time to find the right REALTOR to assist you in locating the perfect home and putting in a smart offer. It is paramount that your REALTOR is well versed with VA Loans to ensure that you can put zero money down – if you so choose.

Your loan officer will now get the home appraised to ensure that there aren’t any problems that need to be fixed and that the home is ready for you to move in. If there are any issues with the house, the seller will likely be responsible for fixing them before the deal goes through. At this point, your loan documents will be sent to an underwriter who will review your financial information for the last time. They may ask for additional documentation at this point to make sure that you are squared away. After you are approved, a closing date will be set. On this date you will finalize your home purchase and VA Loan by signing the last of your paperwork and you’ll become a homeowner!