Getting Your VA Loan

Step 1: Determine If You Are Eligible

We will cover the Proof of Eligibility Process below but in general, the following people are eligible for a VA-Backed Home Loan:

    * Veterans
    * Active duty personnel
    * Reservists/National Guard members
    * Some surviving spouses


Step 2: Get Started With The Pre-Approval Process

At a minimum, we need you to fill out the Short Application In Order To Start The Pre-Approval Process. Don't worry if there are a few blanks that don't apply. Fill out as much as possible and when we speak, we will make sure we have all the information needed.

Click Here To Start The
Pre-Approval Process


Step 3: Get The Proof You Need To Show You Are Eligible For The VA Loan Program

Youíll need a Certificate of Eligibility before you can get a VA-backed loan.  This section shows how you can apply for one.

Among categories A, B, and C below, find the one that matches your situation.

Category A:  Veterans, Active Duty, and Reservists/National Guard Members Who Have Served on Active Duty

You can get a Certificate of Eligibility in any of three ways:

1. Apply online.  Go to the Veterans Information Portal (http://vip.vba.va.gov) and click on User Registration.  Click Here for user instructions for applying online.

2. Apply through us.  In many cases, we can obtain a Certificate online in minutes.  Check the table below entitled, ďEvidence Needed for the Certificate of Eligibility.Ē

3. Apply by mail.  Use VA Form 26-1880.  Return it to the address shown on the form. If you canít print the form, just call 1-888-244-6711 and follow the prompts for Eligibility.


Evidence Needed for the Certificate of Eligibility:
If you are:You need to submit:
Veteran
(Includes a member or former member of the National Guard or Reserves who was once activated for Federal Service)
DD Form 214; We are required to have a copy showing the character of service (item 24) and the narrative reason for separation (item 28). 
Active Duty ServicememberA current statement of service signed by (or by the direction of): the adjutant, personnel office, or commander of the unit or higher headquarters showing:

Your full name
Social Security Number
Date of birth
Entry date on active duty
The duration of any lost time
The name of the command providing the information
Category B:  Reservists/National Guard Members Who Have Never Served on Active Duty

You can get a Certificate of Eligibility in any of three ways:


1. Apply online.  Go to the Veterans Information Portal (http://vip.vba.va.gov) and click on User Registration.  Click Here for user instructions for applying online.

2. Apply through us.  In many cases, we can obtain a Certificate online in minutes.  Check the table below entitled, ďEvidence Needed for the Certificate of Eligibility.Ē

3. Apply by mail.  Use VA Form 26-1880.  Return it to the address shown on the form. If you canít print the form, just call 1-888-244-6711 and follow the prompts for Eligibility.


Evidence Needed for the Certificate of Eligibility:

If you are:You need to submit:
Serving now in the Selected Reserve or the National Guard and have never been activated for federal service Statement of service

signed by (or by the direction of):
the adjutant, personnel officer or commander of your unit or higher headquarters

showing:

Your full name
Social Security Number
Date of birth
Entry date on duty
The total number of creditable years of service
The duration of any lost time
The name of the command providing the information
A discharged member of the National Guard who has never been activated for federal serviceEither:
NGB Form 22, Report of Separation and Record of Service, for each period of National Guard service
OR
NGB Form 23, Retirement Points Accounting, and proof of the character of service
A discharged member of the Selected Reserve who has never been activated for federal serviceCopy of your latest annual retirement points statement and evidence of honorable service 
  
Category C:  Surviving Spouses of Veterans Who Died In Service or As a Result of Service

You must apply for the Certificate by mail.

If your veteran spouse died after service, VA must determine that the death was due to a service-connected disability.  Please allow 2-3 months for this process unless you know that the decision on service-connected death has already been made.

Apply using VA Form 26-1817.  If you canít print the form, just call 1-888-244-6711 and follow the prompts for Eligibility.

Send the completed form to:


VA Loan Eligibility Center
PO Box 20729
Winston-Salem, NC 27120 
If you are:You need to submit:
The surviving spouse of a servicemember who died on active duty 

If youíre already receiving Dependency and Indemnity Compensation (DIC), you donít need to send any documents.

If you donít receive DIC, please send us

  • A copy of the DD Form 1300 (Report of Casualty) from the military
  • A copy of your marriage certificate

It would be a good idea to add a simple signed statement saying that you would like to apply for DIC.  If you qualify for the home loan benefit, you probably qualify for monthly payments under DIC.

Put the servicememberís Social Security number on all documents.

The surviving spouse of a veteran who died as a result of military service If youíre already receiving Dependency and Indemnity Compensation (DIC), send us a copy of your award letter.
(Generally, you will already have a record on file at a VA regional benefits office.)

If you donít receive Dependency and Indemnity Compensation (DIC), please send us

    * A copy of the veteranís DD Form 214
    * A copy of the veteranís death certificate
    * A copy of your marriage certificate

We recommend that you add a simple signed statement saying that you would like to apply for DIC.  If you qualify for the home loan benefit, you probably qualify for monthly payments under DIC.

Put the veteranís Social Security number on all documents.

Step 4: Start Compiling The Documents Needed To Complete Your Loan

To expedite the processing of your loan, please provide the items listed below. If you have any questions, donít hesitate to call!

Please provide the following as indicated:


1) Pay stubs (LES) to cover the last 4 weeks (if co-borrower, please include as well)

2) Statements for all bank accounts, 401(k), retirement, etc., for the past 2
months. (Please include all pages).

3) W-2ís for the past two years

4) Federal Tax returns for the last two years, all pages (Not State forms)

5) Complete copy of divorce paperwork including settlement agreement (If applicable)

6) Landlordís name, address, phone, for past two years (If applicable)

7) Address for personnel department if different than work address

8) Rental agreements on all properties (If applicable)

9) Complete copy of bankruptcy paperwork, including discharge page (If applicable)

10) Please include a clear copy of Social Security card and Driverís license (
if co-borrower, please include as well)

11) Not Active: Please include copy of DD214 if not currently active

Active: Copy of Current ďService StatementĒ (obtained from base personnel or online) and PCS Orders to Washington

12) Copy of VA Certificate of Eligibility (or fill out VA form 26-1880) and fax to me.

If you are applying for refinancing or secondary financing:

13) Please enclose a copy of your homeownerís insurance declarations page and a copy of your current mortgage payment coupon.

In some cases, we may need additional information. If so, someone from our team will contact you. Please feel free to contact us with any questions!

Phone: 206-423-2552

Fax: 206-309-4736

Email: kentonb@landhomenw.com



 
Kenton Becker
Military Loan Specialist

Email: kentonb@landhomenw.com

Phone: 206-423-2552




Contact Kenton Becker, your local VA Mortgage Specialist, to setup a free consultation and develop your winning strategy when purchasing your new home with a VA Loan. It will be my pleasure to serve you! 

Land Home Financial Services, INC
Kenton Becker
Phone: 206-423-2552


Land Home Financial Services, INC Equal Housing Opportunity Lender. Land/Home Financial Services, Inc. is a mortgage finance company and does not represent parties to Real Estate transactions or operate as a Real Estate company. The Agent Mastermind webinars are provided by third parties, are offered as a convenience service only, and should not be construed an endorsement of any particular company. The accuracy of all information, regardless of source, is not guaranteed and should be personally verified through personal inspection by and/or with the appropriate professionals. Land/Home makes no guarantee or promises on success from the use of the Agent Mastermind. Use of this guide is not to be construed as a commitment to lend. Land/Home Financial Services, Inc. Is an equal housing opportunity lender. Land/Home Financial Services, Inc. only conducts business in the states it is licensed in. Washington Consumer Lending License CL #89331.N This site is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties in the state of New York will be accepted through this site.

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