VA Home Loans
Documents you may need for your home purchase using a VA home loan
□ Your basic information like name, address, and phone number
□ Previous addresses for the past 2 years
□ Dates of birth and years of school completed
□ Social Security numbers for all applicants for credit check
□ Race and Ethnicity information (for government monitoring - requested on all mortgage loans)
□ Copy of valid ID such as a driver's license or government ID
□ State where you plan to purchase
□ Number and age of dependents
VA Loan Checklist
Personal Information
□ Copy of your DD214 if separated from the military
□ Completed Request for COE form 26-1880
□ Statement of service from your commanding officer if you are active duty
□ Your Certificate of Eligibility. Your loan officer can help you get this.
Military Information
□ Name, address, phone number, and dates of employment for all employers over the last 2 years
□ 30 days' worth of paystubs or current LES
□ Last 2 years' W2s
□ If self-employed: Last 2 years tax returns with all schedules (if you have commission or rental income, you will also need to provide tax returns)
□ Copies of social security, pension, and/or retirement award letters and corresponding 1099s (if you receive this type of income)
□ Divorce decree and settlement paperwork (if applicable)
Employment/Income
□ 60 days' bank statements for checking and savings accounts showing enough money for your down payment (if any) and closing costs (if not covered by the seller)
□ 60 days’ statements for retirement accounts
□ Real estate currently owned, if any
Assets
□ Purchase contract accepted and signed by you and the seller
□ Appraisal showing a value of at least the purchase price (your loan officer will order)
□ Name and contact information for the homeowner's insurance agent you will use
□ Name and phone number for the homeowner's association, if applicable
□ A home inspection report is typically not required by your lender, but it's a good idea to get an inspection
□ You must occupy the property after the purchase is complete. No rentals/investment properties allowed
□ Make sure the property meets VA’s Minimum Property Requirements (MPRs)
Property
□ General knowledge of your current credit card, student loan, auto loan, and other credit accounts. Your loan officer will pull a credit report that shows your accounts, but on occasion, the information may be outdated, missing, or erroneous.
□ Amount paid each month in child care
□ Explanation for derogatory credit (if applicable)
□ Bankruptcy and discharge paperwork (if applicable)
□ Documentation disproving any erroneous items on your credit report
Credit/Liabilities
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"It was a pleasure working with Leo! Thank you."
– Rob & Terry, Milford
