Home Buying Guide for Veterans
A step-by-step guide to buying a home as a veteran or active-duty service member using your VA loan benefit. From Certificate of Eligibility to closing day — we'll walk you through every step.
Start Your VA Home Purchase →The VA Home Buying Process
- Obtain Your Certificate of Eligibility (COE) — Confirms your VA loan eligibility based on your service history. Joshua can pull this on your behalf in most cases.
- Get Pre-Approved — Know your budget before you shop. Pre-approval strengthens your offer and speeds up closing.
- Find a VA-Savvy Real Estate Agent — Work with an agent who understands VA loan requirements, including the VA Minimum Property Requirements (MPRs).
- Shop for Your Home — Make offers with confidence knowing your financing is in order.
- VA Appraisal & Inspection — The VA requires a property appraisal to confirm value and habitability. A home inspection is also highly recommended.
- Underwriting & Final Approval — Your lender reviews all documentation to issue a clear to close.
- Close with Zero Down — Sign your closing documents and get the keys to your new home.
VA Loan Advantages in the Buying Process
- No down payment required for eligible veterans
- No private mortgage insurance (PMI)
- VA limits certain closing costs sellers must pay
- No prepayment penalty if you pay off the loan early
- VA loan benefit is reusable throughout your lifetime