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Getting Ready to Buy a Home

Documents Needed to Obtain VA Home Loan

The most important thing to understand is that the loan approval process is 100% dependant 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 Eligibility Information

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

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

  • Most recent statements from your bills, indicating minimum payments and account numbers.
  • 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 cancelled 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.