Loan Processing Steps

Obtain Eligibility Certificate *

Evaluate Credit Report *

Get Pre-Approval Letter *

Provide paystubs *

Provide bankstatments *

Underwriter Evaluation *

Order Appraisal though VA *

Final audit and approval *

Docs Drawn *

Close Loan *

Obtaining a Certificate of Eligibility

 

VA determines your eligibility and, if qualified, a certificate of eligibility will be issued.  Eligibility applications can involve:

 

• An original determination of eligibility for the home loan benefit
• A request to replace a lost certificate of eligibility
• A request for restoration of the benefit after payment in full of a previous VA home loan
• Issuance of a certificate reflecting a current outstanding loan for refinance purposes

In many cases, our mortgage partners will be able to obtain a Certificate of Eligibility for you by using ACE (Automated Certificate of Eligibility).  ACE is a web-based application that is able to determine eligibility and issue an online Certificate of Eligibility in a matter of seconds.  Not all cases can be processed through ACE.  If there is insufficient data in the ACE system, the certificate will have to be filed for manually. To start the process now please enter your basic information on the following application. Please call 1-800-516-5524 or click here to apply.