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VA Loan Process 1: Pre-Approval & Home Search

Get Pre-Approved

Before you start searching for your new home, it is always recommended to first get Pre-Approved from a VA approved lender. This process starts with a 15 minute phone call to get you prequalified over the phone. From here, we’ll need to verify the following documents:

  • Most recent LES or Pay Stubs (one month)
  • Last 2 years W2 statements
  • Last 2 years Federal Tax Returns
  • Last 2 months Bank Statements

We’ll eventually need your Certificate of Eligibility we can help you obtain. Once you have this paperwork ready, contact a VA Loan Specialist at 808-792-4251 or fill out our VA Loan Request form. A VA Loan Specialist will determine how much you qualify for as well as your estimated monthly payments.

Step 1

Contact a VA Home Specialist

If you are already working with a real estate agent – great! If you don’t already have a real estate agent, no problem. We work with many agents who have prior experience dealing with VA buyers and VA transactions. We’d be happy to refer you to one that can help you find the home that fits your specific needs.

Step 2

Narrow Down List of Properties

Based on the loan amount you are prequalified for, your VA Home Specialist will email you a list of properties that fit your specific criteria. From that list, you’ll need to narrow it down to a select few so that your VA Home Specialist can schedule a showing with the seller’s agent.

Keep in mind that not all condominiums are eligible for VA financing, so if you are thinking of purchasing a condo, use our Condo Eligibility tool to see if your particular condo is approved for VA financing.

Step 3

View Properties

Once you have narrowed down the list, it is time to see the properties for yourself. This is where you can really decide which home will be the best fit for you and your family. Remember, pictures don’t tell the whole story. Take a look for yourself before submitting an offer to purchase a property.

Step 4

Submit Your Offer

You’ve decided which house you would like to purchase, now your VA Home Specialist will draft up an offer which will be accompanied by a prequalification letter from your VA Loan Specialist.

Step 5

Start Escrow

Sweet….your offer is accepted! Next stop, head over to your escrow company and submit your check for your initial deposit (a minimum of $1,000) to make it official.

Step 6

« VA Loan Benefits   VA Loan Process: Part 2 »

Step 1

Get Pre-Approved

Before you start searching for your new home, it is always recommended to first get Pre-Approved from a VA approved lender. This process starts with a 15 minute phone call to get you prequalified over the phone. From here, we’ll need to verify the following documents:

  • Most recent LES or Pay Stubs (one month)
  • Last 2 years W2 statements
  • Last 2 years Federal Tax Returns
  • Last 2 months Bank Statements

We’ll eventually need your Certificate of Eligibility we can help you obtain. Once you have this paperwork ready, contact a VA Loan Specialist at 808-792-4251 or fill out our VA Loan Request form. A VA Loan Specialist will determine how much you qualify for as well as your estimated monthly payments.


Step 2

Contact a VA Home Specialist

If you are already working with a real estate agent – great! If you don’t already have a real estate agent, no problem. We work with many agents who have prior experience dealing with VA buyers and VA transactions. We’d be happy to refer you to one that can help you find the home that fits your specific needs.


Step 3

Narrow Down List of Properties

Based on the loan amount you are prequalified for, your VA Home Specialist will email you a list of properties that fit your specific criteria. From that list, you’ll need to narrow it down to a select few so that your VA Home Specialist can schedule a showing with the seller’s agent.

Keep in mind that not all condominiums are eligible for VA financing, so if you are thinking of purchasing a condo, use our Condo Eligibility tool to see if your particular condo is approved for VA financing.


Step 4

View Properties

Once you have narrowed down the list, it is time to see the properties for yourself. This is where you can really decide which home will be the best fit for you and your family. Remember, pictures don’t tell the whole story. Take a look for yourself before submitting an offer to purchase a property.


Step 5

Submit Your Offer

You’ve decided which house you would like to purchase, now your VA Home Specialist will draft up an offer which will be accompanied by a prequalification letter from your VA Loan Specialist.


Step 6

Start Escrow

Sweet….your offer is accepted! Next stop, head over to your escrow company and submit your check for your initial deposit (a minimum of $1,000) to make it official.


VA Loan Benefits Loan Process: Part 2

Ready to get started?

Fill out the short form and we can help you determine what you can qualify for on a VA Loan.

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