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Getting Started with your VA Home Loan

Have you ever dreamed of owning that picturesque home with a white picket fence and a dog running around in the freshly cut, lush green grass? Well, VA loans can't help you with getting a dog, but VA loans have been helping people become homeowners for decades. The VA Loan is a guaranteed loan available to veteran's who meet the requirements to receive one. While the VA Loans are actually given by private lenders, such as banks and mortgage companies, it is actually backed by the government in case a borrower is unable to make the necessary payments.

The first steps to getting a VA Loan are simple. First, you must locate that perfect house for you. Once you have found where you want to live, you should then locate a lender to help loan you the money. The lender will then help you fill out a Certificate of Eligibility, which is required in order to receive your VA Loan. Shortly thereafter, the lender will let you know whether or not you were approved for a VA Loan.

Now, you may be wondering that this process sounds relatively simple, except for one small detail. How do you know if you qualify? You must show verification that you served in the military and that if you left the military, it was only under honorable circumstances. Since you have chosen the house you wish to live in by that time, you need to show a certified statement that you will be living there. Find out more about the eligibility for a VA Loan.

The steps for obtaining the loan you need to buy a house are easy to follow. However, since the first step toward receiving a VA Loan is finding a house you want, there is only one instruction left: Start house hunting NOW!

Back to the Veterans' Loan Handbook Table of Contents.