First-Time VA Homebuyers • Step-by-Step Guide
VA First-Time Homebuyer Guide
Buying your first home doesn’t have to be confusing. This guide breaks down the VA loan process into simple steps so you can get pre-approved fast and avoid delays during underwriting.
🏡 $0 down possible
🛡️ No monthly PMI on VA loans
✅ Clear checklist after you submit
📞 Call/Text: 877-720-1160
Your 7-Step VA Homebuying Roadmap
Here’s the same flow we use to get veterans to the closing table with fewer surprises.
1
Confirm eligibility + COEWe verify service eligibility and pull your COE in many cases.
2
Review income + monthly debtsWe check DTI and VA residual income strength.
3
Estimate payment rangeWe compare loan amount, rate scenarios, and affordability.
4
Get pre-approvedWe issue a pre-approval plan so you can shop confidently.
5
Make an offer + VA addendumsWe guide the contract so VA rules are covered.
6
Appraisal + underwritingWe manage the checklist to avoid last-minute delays.
7
Clear to closeFinal approval, closing disclosure, and keys.
What you need (typical)
- Pay stubs / income proof
- 2 years W-2s (if available)
- Bank statements
- Photo ID
Common first-time mistakes
- Big new debt before closing
- Unverified deposits
- Changing jobs mid-process
- Not budgeting closing costs
VA advantages
- $0 down (often)
- No monthly PMI
- Flexible guidelines
- Refi options later
Check VA Eligibility
Understand COE, entitlement, and who qualifies.
Affordability Calculator
Estimate a comfortable payment and price range.
All VA Calculators
Purchase, refinance, affordability, and more.
Tip: For first-time buyers, the biggest win is getting a clear plan early (COE + payment + checklist). That’s what this form triggers.
First-Time VA Homebuyer FAQs
Can I buy my first home with $0 down using a VA loan?
Often yes, depending on eligibility, entitlement, lender guidelines, and the VA appraisal. We’ll confirm your best route quickly.
Do VA loans have mortgage insurance?
VA loans do not require monthly PMI. A one-time VA Funding Fee may apply (often financed into the loan).
How do I get my COE?
We can pull your COE electronically in many cases. You can also request it directly and share it with us.
How fast can I get pre-approved?
Often the same day during business hours once we have the key details. For fastest help, call 877-720-1160.
What’s the biggest thing that delays underwriting?
Missing documentation and unclear deposits are common. We prevent delays by giving you a clear checklist upfront.
Disclosures: NMLS #213875 • Terms depend on credit, income, assets, property and market conditions. Subject to underwriting approval. Not a commitment to lend. Equal Housing Lender.
VA First-Time Guide
Fast pre-approval • Clear steps