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VA Loan Process: Part 2
Closing on Your Home

Meet with your VA Loan Specialist

Once you’re officially in escrow, it’s time to meet back up with your VA Loan Specialist to sign the Loan Application and disclosures. You’ll also need to provide updated income and asset documentation to update your file.

During this meeting, your VA Loan Specialist will go over your loan details and potentially lock in your interest rate.

Step 1

Loan Processing & Inspections

The next step involves a Loan Processer to review your file and request necessary items from third parties such as escrow, appraiser, insurance agent & the IRS.

During this time, three important inspections will be ordered; the home inspection, VA appraisal & termite inspection.

Step 2

Submit to Underwriting

Once the file is reviewed and packaged together by the Loan Processor, the file is then submitted to Underwriting.

The Underwriter is responsible for ensuring the loan meets loan guideline requirements and verifies the documentation provided is satisfactory.

Step 3

Satisfy Loan Conditions

A Conditional Loan Approval letter is generated by the Underwriter which outlines the outstanding items needing to be completed prior to loan approval.

Your VA Loan Specialist will coordinate with you to satisfy these remaining conditions.

Step 4

The Closing

Once all loan conditions have been met, you’re off to escrow to sign the final closing documents.

Step 5

Loan Funding & Recordation

Once closing documents have been officially signed, the lender will wire the funds to escrow and officially fund the loan.

In Hawaii, the recordation of your mortgage and deed takes place 48 hours after escrow’s receipt of funds. Once your loan is recorded with the Bureau of Conveyances, you’re officially a new homeowner!

Step 6

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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Or call 808-792-4251

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What our past customers have to say about hawaii veteral loans

ASHLEY & JOSEPH RIVERA

"Convenient, Helpful, Friendly"

"Hawaii VA Loans, and particularly Brenda Carr not only made buying our first home possible but also made in less stressful. From the moment I first spoke to Brenda she completely set our minds at ease. Both my husband and I were unsure of what we needed to do to make buying a home possible and Brenda "held our hands" throughout the entire process! It was a pleasure working with Brenda Carr and the rest of the Hawaii VA Loans team!"

Justin & Christina Howe

"Professional, Knowledgeable, Devoted"

"We had the option to chose between several lenders but my wife and I knew we were in good hands by working with Dane Costa and Hawaii VA Loans. I truly can't say enough good things about Hawaii VA LoansSM and Dane Costa. We are grateful to have had the opportunity to work with a reputable company that embodies values such as integrity, loyalty, and professionalism. I am going to tell all my friends why Hawaii VA LoansSMdeserves their business."

Scott & Sarah Cover

"Easy, Simple, Painless"

"From the very beginning my VA loan specialist helped me every step of the way through the process. Every document she needed from me was spelled out in plain words and with directions of exactly what I needed to do with it. I was also never given any false promises of rates, payments, or any other surprises. I would highly recommend my lender and the VA lending process to anyone else who is eligible ."

Matthew & Anna Bolivar

"Convenient, Easy, Stress-Free"

"Before finding Hawaii VA LoansSM, we were working with another VA Loan Lender and were very unsatisfied with their quality of work. As first time home buyers, the whole process is very challenging and of course filled with lots of questions. Hawaii VA Loans was right by our side through the whole process assisting as much as possible. We couldn’t be happier with the professionalism, devotion and dedication that Hawaii VA loansSM provided our family!"

Ryan & Nicole Manninen

"Professional, Personable, Second-to-None"

"We purchased our first home from an overseas location. Our experience was incredible. Brenda Carr and the Hawaii VA Loans’ staff went above and beyond our expectations to help us through the process. I could not imagine using another company for our needs. Beyond impressed!"

ASHLEY & JOSEPH Justin & Christina Howe