Skip to main content

The VA Home Loan Process

American Mortgage Brokers is extremely aggressive with VA rates and our process for doing VA home loans is second to none. If you are interested in starting the VA home loan process, here is some information on how a veteran or service member can breeze through the application process. 

  1. Step One: Apply online or give us a call at 612-282-8185
    • We typically can get you qualified for a loan in less than 10 minutes
  2. Step Two: Determine your VA loan eligibility
    • We may need a copy of your DD214 to obtain your VA Certificate of Eligibility
    • The Certificate of Eligibility provides us with details on your entitlement & ability to participate in the VA loan program. 
  3. Step Three: Credit Review
    • The minimum VA loan credit score is as low as 500.
      • Achieving the minimum credit score does not guarantee approval, items that could compromise your approval are the following:
        • Liens
        • Slow Payments
        • Foreclosures
        • Bankruptcies
  4. Step Four: Sign a Purchase Agreement
    • If you are not already working with a real estate agent, American Mortgage Brokers can help connect you with a real estate agent who understands the needs of military homebuyers.
  5. Step Five: Locate Income Documentation
    • We will need to provide documentation of your ability to repay your loan by verifying your income. 
    • Documents that we may ask for include:
      • Tax Returns
      • Paycheck Stubs
      • W2’s 
      • Retirement Statements
      • Disability Documentation

Want to start the Pre-Approval Process?

Apply Online

Information provided on this website is for informational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. American Mortgage Brokers does not guarantee the quality, accuracy, completeness or timelines of the information. While efforts are made to verify it, the information should not be assumed to be error free. Some information on the website may have been provided by outside sources and has not necessarily been verified by American Mortgage Brokers. American Mortgage Brokers does not assume any liability for the information contained herein.

Other Blog Postings