Start your quote for a
 VA Home Loan

Your home buying journey starts here!  Use the benefits earned through your military service to get a loan for $0 DOWN

"My mission continues, and that's taking care of veterans!"

– Raoul Rowe REALTOR®

$ 10
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How to get started

Veteran Land Board (VLB)

VA LOAN Credit Score

How VA Loans work

Get prequalified: Find a VA lender and prequalify to get an estimate of how much house you can afford based on your income, credit, entitlement and other financial factors. You can get a quote with Veterans United Home Loans online anytime. Prequalification is a basic first step that paves the way for a much more powerful step – VA loan preapproval.

Get preapproved: Loan preapproval is a major step and puts you in the driver’s seat to spring into action when you find a home you love. Lenders will verify income and financial information to get a clear sense of your purchasing power. The end result is receiving a preapproval letter. These letters show real estate agents and home sellers you’re a strong and serious buyer who has what it takes to get to closing.

Put in an offer: When you and your agent find the perfect VA loan approved home, it’s time to craft an offer and negotiation a contract with the seller. It’s important to find a VA loan savvy agent you trust that also knows the ins and outs of VA loans.

VA Appraisal and underwriting: Once you’re under contract, your lender will order a VA appraisal of the property. Underwriters will evaluate your income, financial and related documents along with the appraisal once it’s finalized. If everything checks out, you’ll be issued a clear to close and move on to your loan closing.

Closing: You’ll sign all kinds of legal documents and paperwork at your loan closing and get the keys to your new home.

For more details, let our experts take you on an interactive tour of the homebuying process with our free VA loan education portal.

While the VA loan process can be summed up in these five steps, there are many things about VA mortgages that many potential borrowers and agent don’t know about. Let’s take a closer look.


Q: How do I apply for a VA guaranteed loan?
A: You can apply for a VA loan with any mortgage lender that participates in the VA home loan program. At some point, you will need to get a Certificate of Eligibility from VA to prove to the lender that you are eligible for a VA loan.

Q: Can my lender get my Certificate of Eligibility for me?
A: Yes, it’s called Web LGY. Most lenders have access to the Web LGY system. This Internet based application can establish eligibility and issue an online Certificate of Eligibility in a matter of seconds. 

Q: I have already obtained one VA loan. Can I get another one?
A: Yes, your eligibility is reusable depending on the circumstances. Normally, if you have paid off your prior VA loan and disposed of the property, you can have your used eligibility restored for additional use. 

Q: Do VA Loans Have Credit Score Minimums?
A: Most VA lenders do use credit score benchmarks. Applicants with scores below a lender’s benchmark usually can’t be approved for VA financing. That minimum will vary from lender to lender, but most VA-approved lenders are looking for a credit score of at least 620.

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