How Do I Use My VA Home Loan

The VA home loan program is one of the most valuable benefits available to veterans and active duty service members. It allows eligible individuals to purchase a home with no down payment and lower interest rates compared to traditional home loans. If you’re a veteran or active duty service member, you may be wondering how to use your VA home loan. In this article, we’ll discuss the steps you need to take to take advantage of this valuable benefit.

Step 1: Determine Your Eligibility

The first step to using your VA home loan is to determine if you’re eligible. To be eligible, you must have served in the military for at least 90 days during wartime or 181 days during peacetime. If you’re a member of the National Guard or Reserves, you must have served for at least six years. You’ll also need to obtain a Certificate of Eligibility (COE) from the VA.

Step 2: Find a Lender

Once you’ve determined your eligibility, you’ll need to find a lender who participates in the VA home loan program. Not all lenders offer VA loans, so it’s important to do your research and find a lender who is familiar with the program. You can also work with a VA-approved mortgage broker who can help you find the right lender.

Step 3: Get Pre-Approved

Before you start shopping for a home, it’s a good idea to get pre-approved for a VA home loan. This will give you an idea of how much you can afford to spend on a home and make the home buying process smoother. To get pre-approved, you’ll need to provide your lender with your income, credit score, and other financial information.

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Step 4: Find a Home

Once you’re pre-approved, you can start looking for a home. You can use a real estate agent or search for homes on your own. When looking for a home, it’s important to keep in mind that the home must meet certain criteria to be eligible for a VA loan. The home must be your primary residence, and it must be move-in ready with no major repairs needed.

Step 5: Make an Offer

When you find a home you like, you’ll need to make an offer. Your real estate agent can help you with this process. When making an offer, it’s important to include a contingency clause that allows you to back out of the deal if the home doesn’t pass a VA appraisal.

Step 6: Complete the Loan Application

If your offer is accepted, you’ll need to complete the loan application process. This will include providing your lender with documentation such as your pay stubs, tax returns, and bank statements. Your lender will also order an appraisal to ensure the home meets VA requirements.

Step 7: Close on Your Home

After your loan is approved, you’ll need to close on your home. This is the final step in the home buying process. You’ll need to sign a lot of paperwork, including the mortgage, deed, and other legal documents. Once everything is signed, you’ll receive the keys to your new home.


Using your VA home loan is a great way to become a homeowner with little to no money down. By following these steps, you can take advantage of this valuable benefit and find the perfect home for you and your family.