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VA Home Loan Checklist

Common Documents Needed For A
VA Home Loan

Personal Information:

  • Your basic information like name, address, and phone number
  • Previous addresses for the past 2 years
  • Dates of birth and years of school completed
  • Social Security numbers for all applicants for credit check
  • Race and Ethnicity information (for government monitoring – requested on all mortgage loans)
  • Copy of valid ID such as a driver’s license or government ID
  • State where you plan to purchase
  • Number and age of dependents

Military  Information:

  • Copy of your DD214 if separated from the military
  • Completed Request for COE form 26-1880
  • Statement of service from your commanding officer if you are active duty
  • Your Certificate of Eligibility (COE). Your loan officer can help you get this really quickly.

Employment and Income Information:

  • Name, address, phone number, and dates of employment for all employers over the last 2 years
  • 30 days’ worth of paystubs or most recent LES
  • Last 2 years’ W2s
  • If self employed: Last 2 years tax returns with all schedules (if you have commission or rental income to qualify, you will also need to provide tax returns)
  • Copies of social security, pension, and/or retirement award letters and corresponding 1099s (if you receive this type of income)
  • Divorce decree and settlement paperwork (if applicable)

Asset & Ownership Information

  • 60 days’ bank statements for checking and savings accounts showing enough money for your down payment (if any) and closing costs (if not covered by the seller)
  • 60 days’ statements for retirement accounts
  • Real estate currently owned, if any

Credit & Liabilities :

  • General knowledge of your current credit card, student loan, auto loan, and other credit accounts. Your loan officer will pull a credit report that shows your accounts, but on occasion, the information may be outdated, missing, or erroneous.
  • Amount paid each month in child care
  • Explanation for derogatory credit (if applicable)
  • Bankruptcy and discharge paperwork (if applicable)
  • Documentation disproving any erroneous items on your credit report

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