Monday, August 17, 2015

How to Apply for A Kentucky VA Home Loan Pre-Approval in 2015


VA Application Process

Home Loans

  • Use this detailed table to determine the specific evidence you need to obtain a home loan COE.
  • Prepare all documents and evidence before completing an application for a COE.
  • Obtain a home loan COE through eBenefits.va.gov, your lender, or the Atlanta Eligibility Center.
  • Once a VA COE for home loan benefits is obtained, contact several lenders who participate in the VA program to find out which one will offer the most favorable terms for your unique situation.
  • Work with the lender you select throughout the remainder of the home buying process. Viewthis page for an illustration of the process.

VA home loan programs may be used to obtain homes, condominiums, or manufactured homes; refinance an existing home loan; or install energy-saving improvements. VA offers these three main types of guaranteed home loan benefits:
  • Purchase Loans to 100% Financing zero down payment
  • Cash-Out Refinance Loans to 100% of the home's value
  • Interest Rate Reduction Refinance Loans with no appraisal, income or assets verified for a VA streamline refinance

 




VA Loan Checklist

  • One full month’s worth of pay stubs
  • Last 2 years W-2′s
  •  Last 2 years tax returns 
  • Copy of your DD214
  • Your  VA Certificate of Eligibility (we can help you get this if needed)
  • Last two months bank statements for all accounts

I don't need originals, copies are fine. You can fax, email, or drop off at my office below . 

Let me know your questions. 

Thanks and look forward to helping you



How to Apply for your VA Certificate of Eligibility


  • APPLY Online

    icon:computer; Apply Online for Certificate of EligibilityApply Now
    Through eBenefits.va.gov
    RECOMMENDED
  • or
  • APPLY THROUGH
    Your Lender

    icon:person delivering papers to office; Apply in Person
    If they have access to the WebLGY system (most lenders do)
  • or
  • How to ApplyCertificate of Eligibility Adapted Housing Grant APPLY Onlineicon:computer; Apply Online for Certificate of Eligibility Apply Now Through eBenefits.va.gov RECOMMENDED orAPPLY THROUGH

    Your Lendericon:person delivering papers to office; Apply in Person If they have access to the WebLGY system (most lenders do) orAPPLY by Mailicon:mailbox; Apply by Mail Complete VA Form 26-1880 and mail it to:


    VA Atlanta Regional Loan Center

    Attn: COE (262)

    P.O. Box 100034

    Decatur, GA 30031. APPLY Onlineicon:computer; Apply Online for VA Housing Grants Apply Now Through eBenefits.va.gov RECOMMENDED orAPPLY in Personicon:person delivering papers to office; Apply in Person Fill out and submit VA Form 26-4555 and bring it to your nearest VA regional office. orAPPLY by Mailicon:mailbox; Apply by Mail Call 800-827-1000 to have a claim form mailed to you.