Veterans Mortgage of America is a VA Approved Lender | NMLS ID 3117

The VA Loan Process

Veterans Mortgage of AmericaTM strives to make your buying or refinancing process fast and simple. Get started by calling one of our VA loan experts today!


1. Get pre-qualified for loan amount


The following documents will determine how much you qualify for when purchasing a home.

 To start the approval process please submit these items to your Veterans Mortgage of AmericaTM loan professional.

  • Copies of W2 statements for the past two years.
  • Copies of last two pay stubs.
  • Documentation of assets  including checking accounts, savings accounts, financial investments, trust funds, etc. (all pages front & back).
  • Two years of consecutive tax returns for self employed/seasonal/commission borrowers.
  • Copy of your DD214.
  • Contact information for your insurance agent.   


2. Determine Eligibility for a VA loan


Once you are pre-qualified for a loan, VMA will request a Certificate of Eligibility (COE) from VA. The Certificate of Eligibility ensures the borrower meets all guidelines and requirements to participate in the VA Loan program. Please provide us a copy of your DD214 or, if you are active duty, we will have you sign the VA 26-1880 to request your COE. Submitting any paperwork directly to VMA makes the process more efficient. VMA loan professionals can also issue a pre-approval letter to your real estate agent on your behalf.

3. We process your application and order the appraisal


Once pre-approved, loan documents are sent to a loan underwriter for review. The underwriter determines if you are approved for the loan and if the loan meets VA guidelines. We will request an appraisal through the VA and this will be assigned to an approved VA appraiser to determine the value of the home. The VA loan program requires homes to be move-in ready. If there are any problems found during the appraisal process, they must be corrected by before the loan closes.

4. Find a house and sign a Purchase Agreement



Finding the perfect home requires a great real estate agent. If you’re not currently working with one, don’t worry. We have relationships with experienced professionals nationwide, many of whom are veterans or family members, who understand the unique challenges veterans face. We can connect you with one in your area who will guide you through making an offer and negotiating with the seller.

5. Close on your loan and move into your new home


Once the loan is approved, you are ready to close the sale. At closing, the VA loan is finalized and you are ready to move into your new home!

Jimmy O.
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"USAVA Lending did a fine job. They explained everything. They treated me just fine and they were real friendly. If I had a question they got right back in touch with me at the time they said they would. They got what I wanted. I had no complaints. They corrected things that needed to be done. I was alright with the interest rate being the same. I would recommend them."
Elizabeth C.
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We received VA Refinance from USAVA Lending. All expectations were meet we had excellent communications from the "Executive Assistant. They provided prompt and thorough services. I would recommend USAVA Lending. It was easy with no hassles."
Will M.
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"The service was real good and they were pleasant. They were real polite and nice. The loan closed early and it did not take too long. We had no problems with them. The loan originator was excellent. He set us up and he was fantastic! He called back to see if everything went smooth and to find out if we had any questions. We did not have any questions because they answered them. I would definitely recommend them."
Barbara S.
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"They did a great job! I was very satisfied with their helpfulness and they went as far as taking care of the little details. During the time I was refinancing, my husband was in the hospital and was in ICU. The Senior Loan Processor was very helpful and was there for me when I couldn't be quite there myself. We got a reduced interest rate and reduced payment. I got a lot of great customer service from their team. I was looking for a place online and just happened to find their website and have been trying to refinance for 2-3 years..."
Charles M.
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"Thank all of you that worked to get this mortgage through. The Senior Loan Processor was quite a tireless person working with us. She was good to us and caring. She was also reassuring. We were very nervous and she calmed our fears.We would recommend USAVA Lending very highly. They were friendly, courteous, informative. They explained everything. USAVA Lending was the first loan company we have used in many years and it was worth our while. They facilitated the process, so we had nothing was held up."
Levi M.
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"I have used USA Home Loans a couple of times now and I keep going back because the employee I work with is great. I am always treated well and the employee is very personable. I have recommended them and if asked I would keep recommending them they are efficient."
Anthony Z.
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"Everyone at USAVA Lending did a splendid job in refinancing my home..They were very courteous,imformative, and answered all my questions. They were all very professional in handling my re finance, and it was finished promptly.I recommend your Lending Instition very highly.Thank you all for doing such a great job!"
Joe L.
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"Compared to Chase and other places that I worked with USAVA Lending were excellent. It was impressive because they are in Arizona and I am 1000 miles away in the bay area in California and I got better service from them than I would get from Chase who is literally around the corner. When the loan originator contacted me I was kind of leery that something like this would go through, but he did a remarkable job in terms of managing the loan application and process..."