Getting your pre-approval can be as easy as filling out one of the forms above
-OR- If you prefer, you may submit the following documents via email:

1. Current LES (you can also log into MyPay and email us a copy of your most recent pay stub)
2. If retired or not Active Duty you will need your DD214 AND your most recent pay stub.

Please supply all of the necessary documentation in .pdf format and email it to VALive@valoandepartment.com

Once all necessary documents have been sent a VA loan Specialist will be in contact within 24 hours.

Welcome to the VA lending center, your first stop when looking for a VA loan. For those of you who have never had a VA loan, the whole process can seem confusing.  It is our job to make getting a VA loan easy and stress free.  On our web page we have easy online applications to get the VA loan process started.  We also have an excellent FAQ page that addresses common VA loan questions and scenarios.  If you want to speak LIVE to a VA Expert, we have Rapid Response VA loan specialists available, just one click away. 

We also help eliminate home buying confusion by placing VA home buyers with expert VA real estate agents, who help veterans through the entire home buying process, from finding a home, writing an acceptable offer, to attending the final closing on your new home- all at NO cost to the veteran.   The expert VA real estate agent service is one click away!  Please explore our site and if you have any questions or want to speak to a live VA Loan Specialist,  please click on the live loan specialist icon. 

What is a VA Loan?

WHAT IS A VA GUARANTEED LOAN?

VA guaranteed loans are made by private lenders, such as banks, savings & loans, or mortgage companies to eligible veterans for the purchase of a home which must be for their own personal occupancy. To get a loan, a veteran must apply to a lender. If the loan is approved, VA will guarantee a portion of it to the lender. This guaranty protects the lender against loss up to the amount guaranteed and allows a veteran to obtain favorable financing terms.

There is no maximum VA loan but lenders will generally limit VA loans to $417,000. This is because lenders sell VA loans in the secondary market, which currently places a $417,000 limit on the loans. For loans up to this amount, it is usually possible for qualified veterans to obtain no downpayment financing. A veteran's maximum entitlement is $36,000 (or up to $104,250 for certain loans over $144,000). Lenders will generally loan up to 4 times a veteran's available entitlement without a downpayment, provided the veteran is income and credit qualified and the property appraises for the asking price.