Mortgage Checklist

The following information is usually required during the VA home loan process. Additional documentation may be needed.

  • Certificate of Eligibility (COE)
  • DD-214 (Veterans) or statement of service (Active Duty) or equivalent (some National Guard and Reserve members)
  • VA awards letter, if applicable
  • Your government-issued photo ID
  • Federal tax returns for the most recent 2 years
  • W-2s for the most recent 2 years
  • Pay stubs for the past 30 days
  • Bank statements for the most recent 2 months
  • Most recent copies of asset/retirement account statements
  • The declarations page of your homeowners insurance

Find a Loan

I want to buy a home.

A VA purchase loan offers outstanding benefits for qualified borrowers: 100% financing, limited closing costs, no mortgage insurance, and competitive interest rates. You don’t have to be a first-time homebuyer and you can reuse the benefit.

I want to refinance my VA loan to a lower rate or shorter term*.

You may benefit from a VA Interest Rate Reduction Refinance Loan (IRRRL) with a lower rate and lower monthly payments. You may not need an appraisal or credit underwriting, saving you time and money. You can also refinance from a 30-year term to a 15-year term to pay off your loan more quickly and save on interest over the life of your loan. The VA IRRRL is for VA-to-VA refinances only.

I want to refinance my VA loan and get cash out*.

A VA cash-out refinance, like other cash out refi loans, allows you to tap the equity in your home. The VA cash-out can be used to refinance from a non-VA loan to a VA loan.