VA
At a glance
- Typical qualifications and documentation vary by lender and program rules.
- Property type, occupancy, and credit profile matter.
- We’ll confirm eligibility and next steps during a call.
Basic qualifications (typical)
- Borrower must be eligible for a VA Certificate of Eligibility (COE).
- Owner‑occupied primary residence required for standard VA purchase loans.
- Lender credit/income requirements still apply (VA does not set a minimum score).
Property types that may work
- Primary residences (single family)
- VA‑approved condos (if eligible)
- Some manufactured housing (rules vary)
Typical documentation checklist
- Photo ID
- COE (or authorization to obtain COE)
- Income documentation and employment history
- Bank statements and any down payment/closing funds (if applicable)
- Purchase contract (for purchases)
Tip: For privacy and security, do not email SSNs or sensitive document images. Use a secure portal for sensitive info.
Program-specific documents / notes
- VA funding fee may apply (exemptions exist).
- Appraisal uses VA Minimum Property Requirements (MPRs).
- Many VA loans allow low/no down payment for qualified borrowers.
Questions? Call (530) 238-5739 or email [email protected].