There are a number of steps involved when buying a home with a VA loan. First, you must confirm that you are eligible for a VA loan by obtaining your Certificate of Eligibility. Then, the following steps are completed accordingly:

  * Get Qualified:
Fill out the online application form on the top left hand corner of this page or call a VA Loan Specialist at 808.792.4251. A VA Loan Specialist will determine how much you qualify for as well as your estimated monthly payments.

  * Find a Real Estate Agent:
If you don’t already have a real estate agent, go to our Find An Agent section to review our list of qualified agents that can help you find the home of your dreams.

  * Narrow Down List of Properties:
Based on the amount you’re prequalified for, your Realtor will send 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 Realtor 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, first check our Condo Eligibility Check page to see if your particular condo is approved for VA financing.

  * View Properties:
Once you narrowed down the list, it’s 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.

  * Submit an Offer:
Once you decide which house you would like to purchase, your realtor will draft up an offer which will be accompanied by a prequalification letter from your VA Loan Specialist.

  * We’ll do the Rest:
Once the offer is accepted, sit back and relax as your VA Loan Specialist, Realtor & Escrow Officer handle the nuances of your purchase transaction. The process typically takes 30-45 days. After which, you will come in and sign the final loan documents. When this is all done, you will get your keys and officially be a new homeowner. It’s that simple!