The most important thing to understand is that the loan approval process is 100% dependent on documentation. To insure a smooth transaction, it is imperative that you have all of your documents gathered prior to you initial loan application. The following is a list of all the documents you will need. Please feel free print this screen and use this as a checklist.

VA Loan Eligibility Information

In order to apply for a VA Loan the lender must determine that you are VA Eligible. You will either need to provide them these VA forms or they can help you obtain them.

Request for your DD214 - If you lost or cannot find your DD214, click here.
VA Certificate of Eligibility - If you lost or cannot find this form, click here

Lenders can request your VA Certificate of Eligibility. Many times this can be done the same day you apply or in some cases the VA requires some time to research you request and it may take several weeks.

Employment/Income Information

Most recent two years W-2's, 1099's, etc.

Most recent pay stubs covering one month period.

If Applicable: Self-Employed will need Most recent two years complete tax returns with all schedules, and

YTD Profit & Loss Statement.

Asset/Savings Information

Most recent two months complete bank statements for any and all accounts with all pages.

Most recent statement from retirement, 401k, mutual funds, money market, stocks, etc.

Credit Information

Name, Address, and Phone number of your landlord, or 12 months cancelled rent checks.

If Applicable: Should you have no credit. Copies or your most recent utility bills will be needed.

If Applicable: Copy of complete Bankruptcy and Discharge Papers.

If Applicable: If you co-signed for a mortgage, car, credit card, etc, need 12 months canceled checks. front and rear, indicating you are not making payments.

Personal Information

Copy of Drivers License.

Copy of Social Security Card.

If Applicable: Copy of complete Divorce, Palimony, Alimony Papers.

If Applicable: Copy of Green Card or Work Permit.

If Applicable: If you own another home(s) - see below

If a Refinance or you own Rental Property

Copy of Note & Deed from current loan.

Copy of Property Tax Bill.

Copy of Hazard (homeowners) Insurance Policy.

Copy of Payment Coupon for current Mortgage.

If Applicable: If property is multi-unit, need Rental Agreements.

Additional documents may be needed upon review of your file and on a case-by-case scenario. Once you have applied for your mortgage and the lender has received your documents, additional documents may be requested.

[ Back ]