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The VA Loan provides veterans with a federally guaranteed home loan which requires no down payment. This program was designed to provide housing and assistance for veterans and their families.

The Veterans Administration provides insurance to lenders in the case that you default on a loan. Because the mortgage is guaranteed, lenders will offer a lower interest rate and terms than a conventional home loan. VA home loans are available in all 50 states. A VA loan may also have reduced closing costs and no prepayment penalties.


Additionally there are services that may be offered to veterans in danger of defaulting on their loans. VA home loans are available to military personnel that have served a minimum amount of active-duty service, as determined by the VA, or a spouse of servicemen either killed or missing in action.


See below for documents that you may be asked for during the loan application process; however, your loan officer may also request additional documentation.


  • DD-214 or Current Orders

  • W-2 & 1099 Statements for Past 2 Years

  • Pay-Check Stubs for Past 2 Months

  • Self-Employed Income Tax Returns for the Past Two Years and YTD Profit & Loss Statements


Assets & Credit

  • Complete Bank Statements for all Accounts for Past 2 Months

  • Recent Account Statements for Retirement, 401k, Mutual Funds, Money Market, Stocks, etc.



  • Drivers License

  • Social Security Card

  • Any Divorce, Alimony, or Child Support Papers

  • Green Card or Work Permit (if applicable)

  • For Other Properties Owned: Mortgage Statements, Homeowners’ Insurance (HOI), Taxes, and Association Dues Information


Refinancing or Own Rental Property

  • Note from any Current Loan

  • Property Tax Bill

  • Hazard Homeowners Insurance Policy

  • Mortgage Statement for Current Mortgage

  • Rental Agreements for any Rented Properties

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