Review eligibility and goals
We review your Certificate of Eligibility, entitlement, income, credit, assets, property plans, and timeline.
The VA loan process
From first review to closing day.
A clean process starts before you tour homes. I review the file, explain the numbers, compare wholesale lenders, and keep you and both agents informed through closing.
Five clear stages
What happens next?
Build the pre-approval
I compare the file across wholesale lenders and give you a clear budget, payment range, and cash-to-close estimate.
Strengthen the offer
I coordinate with your agent, explain the approval to the listing side, and help structure realistic financing dates.
Complete appraisal and underwriting
The property is appraised, conditions are documented, insurance and title are reviewed, and the lender completes underwriting.
Review final numbers and close
You receive the final figures before signing. I stay involved through funding and the handoff of keys.
Before you start
What documents should you gather?
Start with recent income records, bank statements, identification, employment history, housing history, and any VA disability documentation tied to a funding-fee exemption. Military borrowers may also need a current Leave and Earnings Statement and orders.
Open the veteran homebuyer resourcesStart with a plan
Ready to start with the file, not a guess?
Tell me what you want to do. I will review the details and give you the next steps in plain English.