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The VA Loan Process

Your path to homeownership:

1. Get in Touch

Getting started with Veterans United is easy. Request a call and one of our licensed Loan Specialists will reach out to discuss your unique homebuying objectives. Self-starters or deployed military personnel can opt to fill out a prequalification online instead. Just ask your Loan Specialist for a link to your unique application.

2. Get Preapproved

Preapproval is an essential step for any homebuyer. A preapproval letter lets your real estate agent and home sellers know that you’re a serious buyer, and that your credit and income likely qualify you for a home loan.

As you work toward preapproval, expect to answer questions and provide verification regarding your income and employment. Your loan team will also work to obtain your certificate of eligibility from the Department of Veterans Affairs.

If you’re concerned about your credit scores, we’ll connect you with our complimentary Lighthouse Program and a dedicated consultant will identify the best way to boost your scores.

Documents you may need to provide during preapproval include:

  • Pay Stubs
  • Tax Returns and W2s
  • Employment History
  • Bank/Investment Statements
  • Evidence of Real Estate Assets
  • A copy of your DD214 or Statement of Service

In competitive real estate markets, it’s essential to act fast when you find a home you like. At Veterans United, we’ve streamlined a convenient online process that allows you to review and sign your loan disclosures electronically and instantly upload verification documents directly to your secure account at MyVeteransUnited.

3. Find an Agent and Begin Your Home Search

It's important that your real estate agent knows the ins and outs of the VA Loan so they can structure help you get the most out of your VA homebuying benefit.

Veterans United Realty

Veterans United Realty helps connect you to military-friendly real estate agents in your area. These real estate agents understand the unique needs of military and veteran homebuyers. By selecting a Veterans United Realty agent, you may be eligible for bundled service credit that could result in big savings on your home purchase.

Veterans United Realty is an affiliated business of Veterans United Home Loans.

4. Make an Offer

When you find the perfect home, it's time to submit an offer along with a copy of your preapproval letter. With 24/7 access to your account at MyVeteransUnited, generating preapproval letters is easy—even on the go.

A real estate agent who really knows VA loans can help you craft a strong offer that maximizes your budget and your home loan benefits. In addition to the VA home loan’s $0 down option, many military buyers ask for the sellers to cover some or all of their closing costs.

5. Processing & Closing

Once you're under contract to purchase a home, you’ll work with your loan team to finalize your financing. This stage of the approval process is two-fold: we’ll need to verify your ability to make steady mortgage payments and that your new home meets the VA’s property requirements.

It is the underwriter's job to ensure that everything in your loan file is accurate. Once the loan is approved, a closing date will be scheduled. At closing, you'll sign paperwork, finalize your VA Loan and take ownership of your new home.

Questions About the VA Loan Process?
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5001 N. Dixie Hwy., Ste. 101, Elizabethtown, KY 42701
A VA approved lender; Not endorsed or sponsored by the Dept. of Veterans Affairs or any government agency.