how to get pre approved for a va home loan

Getting pre-approved for a VA home loan is an important step in the homebuying process. Not only does it provide clarity on the amount you can afford to spend on a home, but it also demonstrates to sellers that you are a serious buyer. To get pre-approved for a VA home loan, follow the steps outlined below.

Gather the Necessary Documents

Before approaching a lender for pre-approval, it’s essential to gather all the necessary documents. These documents include:

  • Proof of military service: DD Form 214 for veterans or a statement of service for active duty personnel
  • Proof of income: Recent pay stubs, W-2s, or tax returns for the past two years
  • Proof of assets: Bank statements, investment account statements, and any other relevant financial documents
  • Credit information: Your credit report and credit score
  • Proof of residency: Your address history for the past two years

Having these documents readily available will speed up the pre-approval process and make it easier for the lender to assess your eligibility.

Choose a VA-approved Lender

Not all lenders are approved to offer VA home loans, so it’s important to choose a lender who is VA-approved. Working with a VA-approved lender ensures that they are knowledgeable about the specific requirements and benefits of VA loans, making the process smoother and more efficient.

Complete the Loan Application

Once you’ve chosen a VA-approved lender, it’s time to complete the loan application. This involves providing the lender with all the necessary information regarding your income, assets, and liabilities. You will also need to disclose any debts or financial obligations you have. The lender will use this information to assess your eligibility for a VA home loan.

Provide Authorization for Credit Check

As part of the pre-approval process, the lender will need to perform a credit check. To do this, they will need your authorization. Be prepared to provide written consent for the lender to pull your credit report and review your credit history.

Wait for the Pre-Approval Decision

After submitting your loan application and providing authorization for the credit check, all that’s left to do is wait for the pre-approval decision. The lender will review your application, assess your creditworthiness, and determine the loan amount you can potentially qualify for. This process typically takes a few business days, but it can vary depending on the lender’s workload.

Once you receive the pre-approval decision, you will have a better understanding of the price range you can comfortably shop in. This will make the homebuying process more focused and efficient, allowing you to narrow down your options and make more informed decisions.


Getting pre-approved for a VA home loan is a crucial step in the homebuying process. By gathering the necessary documents, choosing a VA-approved lender, completing the loan application, providing authorization for a credit check, and waiting for the pre-approval decision, you’ll be well on your way to securing a VA home loan. Pre-approval not only gives you confidence as a buyer but also makes you more appealing to sellers. Start the process today and make your dream of homeownership a reality!