Can I Apply for a VA Loan Online?

va loan online

VA loan online application is one of the best ways to acquire a home. These loans (VA Loans) are written with extremely favorable terms and make it very easy for veterans to get into the homes that they deserve. Even better, the loan application process can usually be completed entirely online – yes, you can apply for a VA Loan online.

There are many lenders available that offer VA loans. To be able to apply for a VA loan online, you may want to focus on banks that you are familiar. These banks should have federal credit unions that you’ve done business with before. Also national online lenders who will compete to give you the best rates on your mortgage loan.

When you apply for loans, your credit report will only be hit once. It is in your best interest to apply for as many loans as possible within a short amount of time; this will give you the most favorable terms. In practice, applying for a VA loan online is generally as easy as filling out an online form with each lender. There are also third-party aggregate services that will take your information and send them to dozens of lenders at a time.

How Should You Prepare for Your VA Loan?

Before you start applying for your VA Loan online, you should pull your credit report from one of the three major reporting bureaus: Equifax, Experian, or TransUnion. Look over your credit report for any errors and correct them before you apply; your credit score has quite a lot to do with how lenders see you.


As far as technology goes, you should have digital copies of all your documentation (discussed below). You also should be able to digitally fax documents if needed, as many lenders operate only with fax machines.

What Do You Need to Apply for a VA Loan Online?

  • Proof of your service. To apply for a VA home loan, you will need to have either: 

    (1) served for 80 consecutive days of active service during wartime

    (2) has served 181 days of active service during peace time

    (3) served 6 years or more in the National Guard or Reserves

    (4) or been a spouse of a service member whose death was a result of their service.

  • Documentation of your current income.To determine the amount of your income, you current income is considered. This income should be documented thoroughly over the past year. In case you have pay stubs, the last three to six months of pay stubs should be sufficient. If your income is irregular, you will need to document it more thoroughly and have a history of deposits.
  • The last three years of your tax returns. Often, your last three years of tax returns may be requested. This is to identify the amount of money that you have made on an annual basis over the last three years. Don’t worry if you weren’t making as much money back then; the lenders generally just want to see that you’ve been employed.

Once you have all your documentation and information ready, you can begin the process. Generally, this will begin with a simple form through which the lender will pre-qualify you based on your credit score. After that, the lender will ask for a packet with the above information, to give them a more specific idea of your borrowing capabilities.

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