One of the most important matters to understand is that the VA Loan Approval process is 100% dependant on documentation. Make sure yor transaction is trouble free, by having all your required papers prior to you initial loan application.

VA Eligibility Information

• DD214

Employment Information

• Most recent two years complete tax returns with all schedules
• Most recent two years W-2's, 1099's
• Most recent pay stubs covering one month period.
• Self-Employed will need Three years Tax Returns and YTD Profit & Loss Statement

Savings Information

• Most recent three months complete bank statements for any and all accounts with all pages
• Most recent statement from retirement, 401k, mutual funds, money market, stocks

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
• Should you have no credit. Copies or your most recent utility bills will be needed.
• Copy of complete Bankruptcy and Discharge Papers.
• 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
• Copy of complete Divorce, Palimony, Alimony Papers
• Copy of Green Card or Work Permit

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 property is multi-unit, need Rental Agreements.