VA Approved Lender USAVA | NMLS ID 966439 | MB 0921703

USAVA Lending strives to make your buying or refinancing process fast and simple. Get started by calling one of our VA loan experts today!

1-888-842-0490


1. Get pre-qualified for loan amount

prequal

The following documents will determine how much you qualify for when purchasing a home.

 To start the approval process please submit these items to your USAVA loan professional.


 

2. Determine Eligibility for a VA loan

certified

Once you are pre-qualified for a loan, USAVA will request a Certificate of Eligibility (COE) from the VA. The Certificate of Eligibility ensures the borrower meets all guidelines and requirements to participate in the VA Loan program. Please provide us a copy of your DD214 or, if you are active duty, we will have you sign the VA 26-1880 to request your COE. Submitting any paperwork directly to USAVA makes the process more efficient. USAVA Loan professionals can now issue a pre-approval letter for your real estate agent.


3. USAVA processes your application and orders the appraisal

home1

Once pre-approved, loan documents are sent to a loan underwriter for review. The underwriter determines if you are approved for the loan and if the loan meets VA guidelines. We will request an appraisal through the VA and this will be assigned to an approved VA appraiser to determine the value of the home. The VA loan program requires homes to be move-in ready. If there are any problems found during the appraisal process, they must be corrected by the current homeowner before the loan closes.


4. Find a house and sign Purchase Agreement

 

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Working with a good real estate agent is essential to finding the perfect home. If you are not currently working with a real estate agent, please let us know and we will be happy to recommend an agent in your area. Once you find that perfect agent, they will assist you in making an offer and working out a contract with the seller. Make sure your real estate agent includes a ‘VA Option’ clause to the Purchase Agreement”.


5. Close on your loan and move into your new home

moving-in

Once the loan is approved, you are ready to close the sale. At closing, the VA loan is finalized and you are ready to move into your new home!


Talk to one of our VA Loan Professionals Today!

1-888-842-0490

No Down Payment | No Mortgage Insurance | Low Rates

USAVA is an approved lender. Not endorsed or sponsored by the Dept. of Veterans Affairs or any government agency.