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The Homebuying Process with a VA Loan

The VA homebuying process is different with a Veterans United Realty agent in your corner. Discover why starting the VA loan process with a military-friendly agent is the best choice for you.

For more than 70 years, the VA Home Loan program has helped millions of veterans, service members and their families purchase the home of their dreams. Since its inception through the GI Bill, those who have served have used the VA Loan more than 22 million times.

With advantages including purchasing a home with no money down, no monthly mortgage insurance premiums and flexible qualification guidelines, it's easy to see why this program has been so popular.

The VA Homebuying Process with Veterans United Realty

Because the VA Home Loan is only available to those who have served, not every real estate agent has extensive experience with this option. That's why it's vital to have an experienced and trusted Veterans United Realty agent working for you in order to ensure you receive the benefits you've earned through your service.

The homebuying process with a VA Loan is much like it would be using any other loan product in the market, but it does have a few important differences. Your Veterans United Realty agent can guide you through the unique circumstances to ensure you have a smooth VA homebuying experience.

  1. Get started with Veterans United Realty

    Choosing to work with a Veterans United Realty agent is a smart choice. Our agents' extensive knowledge of the VA loan can make a huge difference in your purchase experience. Let our agents guide you through the entire process →

  2. Prequalify with a VA Specialized Lender

    Round out your homebuying team with a lender specializing in VA loans. The VA loan is unique. Having a lender with experience and knowledge of the VA loan is critical for a smooth transaction.

  3. Get preapproved to determine your purchasing power

    Preapproval is a very important step in your homebuying process. You don't really know how much home you can afford until you have a preapproval letter in hand. Working with your VA specialized lender to obtain preapproval early in your homebuying process is key. In addition, sellers take offers from preapproved buyers more seriously.

  4. Veterans United Realty connects you with a local agent

    We've screened agents in your area to find the ones with VA loan and local market knowledge. Rest assured your Veterans United Realty agent will support you throughout the process.

  5. Start shopping for homes

    Your Veterans United Realty agent understands the property guidelines established by the VA. They can help you find homes in your preferred location and price range that also meet the VA's minimum property requirements. If you find the home of your dreams, but it needs some repairs to meet the minimum property requirements, they can help you decide if you want to proceed with making an offer.

  6. Make an offer on a home

    You've gone through the process of getting your loan paperwork in line, your agent has shown you homes and you've found one you can picture living in. Now's the time to make an offer. Your Veterans United Realty agent will work with you to create an offer that is both appealing to the seller and you.

  7. Negotiate the contract

    After submitting an initial offer you'll likely enter into one or more rounds of negotiation where you'll negotiate a final purchase price, closing costs, closing date and other concessions with the seller. Once you've agreed on all terms you will finalize your contract.

  8. Loan underwriting

    After a final contract is inked, you'll work with your lender to complete any requests made by the underwriter to finalize your loan.

  9. VA appraisal

    Once you're under contract your lender will order a VA appraisal. The appraiser will come out and determine the value of the home and whether it meets the VA's minimum property requirements. It's also highly recommended that you obtain a home inspection. Although home inspections aren't mandatory, they provide you with invaluable information on the home.

  10. Close on your home and move in

    Once your loan has been approved by your lender and the home has passed the VA appraisal it's time to sit with your agent at the closing table for one of the more exciting days of your life. There are a lot of signatures and paperwork involved, but in the end you become a homeowner and receive the keys to your new house. Now it's time to move in and turn your new house into a home!

Start your homebuying journey off on the right foot.

Get connected with a Veteran friendly real estate agent today.

  • By clicking the "Get Started" button, I give consent to receive autodialed phone calls and/or text messages from Veterans United Realty or its affiliates at the number provided. Consent is not a condition of service.