VA Mortgage Checklist

Buying a new house is exciting and scary at the same time. You may have a lot of questions, like how much will it cost? What are my repayment options? How much can I borrow? Hopefully you have taken the time to research these questions and arm yourself with all the essential information regarding VA Loans. The next step is to gather all the necessary documents and information in order to apply for the loan itself.

If you have come this far, congratulations! You are one step closer to purchasing a home and taking advantage of the many benefits of a VA Loan. Here are the documents you need to assemble before you start the loan process:

1. Social security numbers
You will need your own social security number and the social security number of your co-borrower (if you have one).

2. Addresses
This must be the addresses of the residences you and your co-borrower have lived in over the past two years.

3. Employer Information
This includes the names and addresses of your employers from the past two years.

4. Salaries
You and your co-signer must provide documents with your current gross monthly salaries.

5. Financial Accounts
For all your financial accounts, including both checking and savings, you will need to provide the account numbers, addresses, names and balances.

6. Other Loans
If you have other loans open, provide all balances, account numbers and monthly payments of each one.

7. Other Real Estate
If you own any other homes or property you will need the addresses and loan information for each property.

8. Value of Personal Property
This value should be an estimate of your furniture and all other personal items and property.

9. Certificate of Eligibility
The certificate can be obtained by submitting an eligibility form with the VA through their website.

10. Tax Information
This includes W2’s from the past two years and current check stubs. If you are self-employed, you will need to provide personal tax returns, current income and a balance sheet for the company.

Once you have gathered all the necessary documents, you are ready to get started on the loan process. You will also be required to pay for a credit check, appraisal and any closing costs associated with the loan. Even though this may seem like a scary first step, your lender and the VA are there to help you along the way.

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