Review eligibility and goals
I review your Certificate of Eligibility, entitlement, income, credit, assets, property plans, and timeline.
The VA loan process
Know the payment before you commit to the house.
I start with your life, not a generic approval amount. Then I review the file, compare wholesale lenders, explain the numbers, and keep you and both agents informed through closing.
Five clear stages
You should know 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 receive review, 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
Which 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 often need a current Leave and Earnings Statement and orders.
Open the Veteran homebuyer resourcesStart with a plan
Ready to build the plan around your family?
Tell me where you want to go, what you want the payment to feel like, and when you hope to move. I will map the next steps.