Getting Your VA Loan

Step 1: Determine If You Are Eligible

We will cover the Proof of Eligibility Process below but in general, the following people are eligible for a VA-Backed Home Loan:

    * Veterans
    * Active duty personnel
    * Reservists/National Guard members
    * Some surviving spouses


Step 2: Get Started With The Pre-Approval Process

If you're comfortable applying online, we have a Secure Application Available. Or, you can contact us via phone or email and we can start there. Whatever you're most comfortable with! 

Click Here To Start The
Pre-Approval Process


Step 3: Get The Proof You Need To Show You Are Eligible For The VA Loan Program

You’ll need a Certificate of Eligibility before you can get a VA-backed loan.  This section shows how you can apply for one, however we can also assist you during your loan application.

Among categories A, B, and C below, find the one that matches your situation.

       
Category A:  Veterans, Active Duty, and Reservists/National Guard Members Who Have Served on Active Duty

You can get a Certificate of Eligibility in any of three ways:

1. Apply online.  Go to the Veterans Information Portal (http://vip.vba.va.gov) and click on User Registration.  Click Here for user instructions for applying online.

2. Apply through us!  In many cases, we can obtain a Certificate online in minutes.  Check the table below entitled, “Evidence Needed for the Certificate of Eligibility.”

3. Apply by mail.  Use VA Form 26-1880.  Return it to the address shown on the form. If you can’t print the form, just call 1-888-244-6711 and follow the prompts for Eligibility.


Evidence Needed for the Certificate of Eligibility:
If you are: You need to submit:
Veteran
(Includes a member or former member of the National Guard or Reserves who was once activated for Federal Service)
DD Form 214; We are required to have a copy showing the character of service (item 24) and the narrative reason for separation (item 28). 
Active Duty Servicemember A current statement of service signed by (or by the direction of): the adjutant, personnel office, or commander of the unit or higher headquarters showing:

Your full name
Social Security Number
Date of birth
Entry date on active duty
The duration of any lost time
The name of the command providing the information
           
Category B:  Reservists/National Guard Members Who Have Never Served on Active Duty

You can get a Certificate of Eligibility in any of three ways:


1. Apply online.  Go to the Veterans Information Portal (http://vip.vba.va.gov) and click on User Registration.  Click Here for user instructions for applying online.

2. Apply through us!  In many cases, WE can obtain a Certificate online in minutes.  Check the table below entitled, “Evidence Needed for the Certificate of Eligibility.”

3. Apply by mail.  Use VA Form 26-1880.  Return it to the address shown on the form. If you can’t print the form, just call 1-888-244-6711 and follow the prompts for Eligibility.


Evidence Needed for the Certificate of Eligibility:
If you are: You need to submit:
Serving now in the Selected Reserve or the National Guard and have never been activated for federal service  Statement of service

signed by (or by the direction of):
the adjutant, personnel officer or commander of your unit or higher headquarters

showing:

Your full name
Social Security Number
Date of birth
Entry date on duty
The total number of creditable years of service
The duration of any lost time
The name of the command providing the information
A discharged member of the National Guard who has never been activated for federal service Either:
NGB Form 22, Report of Separation and Record of Service, for each period of National Guard service
OR
NGB Form 23, Retirement Points Accounting, and proof of the character of service
A discharged member of the Selected Reserve who has never been activated for federal service Copy of your latest annual retirement points statement and evidence of honorable service 
   
       
Category C:  Surviving Spouses of Veterans Who Died In Service or As a Result of Service

You must apply for the Certificate by mail.

If your veteran spouse died after service, VA must determine that the death was due to a service-connected disability.  Please allow 2-3 months for this process unless you know that the decision on service-connected death has already been made.

Apply using VA Form 26-1817.  If you can’t print the form, just call 1-888-244-6711 and follow the prompts for Eligibility.

Send the completed form to:


VA Loan Eligibility Center
PO Box 20729
Winston-Salem, NC 27120 
If you are: You need to submit:
The surviving spouse of a servicemember who died on active duty 

If you’re already receiving Dependency and Indemnity Compensation (DIC), you don’t need to send any documents.

If you don’t receive DIC, please send us

  • A copy of the DD Form 1300 (Report of Casualty) from the military
  • A copy of your marriage certificate

It would be a good idea to add a simple signed statement saying that you would like to apply for DIC.  If you qualify for the home loan benefit, you probably qualify for monthly payments under DIC.

Put the servicemember’s Social Security number on all documents.

The surviving spouse of a veteran who died as a result of military service  If you’re already receiving Dependency and Indemnity Compensation (DIC), send us a copy of your award letter.
(Generally, you will already have a record on file at a VA regional benefits office.)

If you don’t receive Dependency and Indemnity Compensation (DIC), please send us

    * A copy of the veteran’s DD Form 214
    * A copy of the veteran’s death certificate
    * A copy of your marriage certificate

We recommend that you add a simple signed statement saying that you would like to apply for DIC.  If you qualify for the home loan benefit, you probably qualify for monthly payments under DIC.

Put the veteran’s Social Security number on all documents.


Step 4
: Start Compiling The Documents Needed To Complete Your Loan

 
  
To expedite the processing of your loan, please provide the items listed below. If you have any questions, don’t hesitate to call!

Please provide the following as indicated:


1) Pay stubs (LES) to cover the last 4 weeks (if co-borrower, please include as well)

2) Statements for all bank accounts, 401(k), retirement, etc., for the past 2
months. (Please include all pages).

3) W-2’s for the past two years

4) Federal Tax returns for the last two years, all pages (Not State forms)

5) Complete copy of divorce paperwork including settlement agreement (If applicable)

6) Landlord’s name, address, phone, for past two years (If applicable)

7) Address for personnel department if different than work address

8) Rental agreements on all properties (If applicable)

9) Complete copy of bankruptcy paperwork, including discharge page (If applicable)

10) Please include a clear copy of Social Security card and Driver’s license (if co-borrower, please include as well)

11) Not Active: Please include copy of DD214 if not currently active

Active: Copy of Current “Service Statement” (obtained from base personnel or online) and PCS Orders to Washington

12) Copy of VA Certificate of Eligibility (or fill out VA form 26-1880) and fax to me.

If you are applying for refinancing or secondary financing:

13) Please enclose a copy of your homeowner’s insurance declarations page and a copy of your current mortgage payment coupon.

In some cases, we may need additional information. If so, someone from our team will contact you. Please feel free to contact us with any questions!

Phone: 425-289-1102

Fax: 425-296-1938

Email: Info@LandHomeNW.com

 


 

 
Michael Patterson, Branch Mgr
Military Loan Specialist

Email: Info@LandHomeNW.com

Phone: 425-289-1102


MLO #:
69386



Contact Michael Patterson, Branch Mgr, your local VA Mortgage Specialist, to setup a free consultation and develop your winning strategy when purchasing your new home with a VA Loan. It will be my pleasure to serve you! 
 
Land Home Financial Services, Inc.
Michael Patterson, Branch Mgr
Phone: 425-289-1102

Equal Housing Opportunity Lender. Land Home Financial Services, Inc. is a mortgage finance company and does not represent parties to Real Estate transactions or operate as a Real Estate company. The Agent Mastermind free webinars and marketing strategies are a service of a third party vendor, is offered as a convenience service only, and should not be construed an endorsement of any particular company. The accuracy of all information, regardless of source, is not guaranteed and should be personally verified through personal inspection by and/or with the appropriate professionals. Land Home makes no guarantee or promises on success from the use of these services. Use of these services are not to be construed as a commitment to lend. Land Home Financial Services, Inc. only conducts business in the states it is licensed in. Washington Consumer Lending License CL #89331.


Notice: This is a privately owned and maintained web site by Michael Patterson, MLO 69386, specializing in VA financing and is not a government agency. Applicable state disclosure regulations require licenses and information to be explicitly disclosed. Land/Home Financial Services, Inc. only conducts business in states we are approved to. Some products may not be available in all states. Restrictions apply. Mortgage Lending in Washington State is authorized under WA Dept of Financial Institutions Consumer Loan License # CL 89331. Land/Home Financial Services is an Equal Housing Opportunity Lender and lends only in states we are approved in. 
Land Home Financial Services, Inc. (also known as "Land Home" or "Land Home Financial") is an Equal Housing Opportunity Lender. Call your loan officer for details. Rates, Program, Fees, and Guidelines are subject to change without notice. Restrictions apply. Not a commitment to lend. The information, loan option scenarios, and/or guidelines are for illustrative/marketing purposes only and will vary depending on circumstances, terms may not apply to every situation. Land Home only conducts business in states we are approved to. Land Home Financial Services, Inc. 22525 SE 64th Place, Suite 220, Issaquah, WA 98027. Washington Consumer Loan Branch Office License #CL-89331. Corp. NMLS #1796. www.nmlsconsumeraccess.org. This site is not authorized by the New York State Department of Financial Services.  No mortgage loan applications for properties in the state of New York will be accepted through this site.