How Do You Get a VA Home Loan?

To get a home loan from the Veterans Administration, obtain a Certificate of Eligibility by submitting appropriate documentation, find a lender that participates in the home loan program and locate housing that meets your needs, as the U.S. Department of Veterans Affairs describes. Negotiate a purchase agreement with the help of a real estate professional. Finally, apply for, process and close the loan with your lender's help.

You can apply for a Certificate of Eligibility if you are an active duty service member, veteran, or current or former National Guard member who meets the service requirements, according to the U.S. Department of Veterans Affairs. Surviving spouses of veterans may also qualify for Certificates of Eligibility. The documents you need to prove eligibility depend on your service status. Apply online through the VA eBenefits portal, by mail after downloading and printing out the required application form, or through your program-participating lender.

Before you choose a lender, compare them against each other by inquiring about interest rates and other details, as the U.S. Department of Veterans Affairs advises. Ensure that the purchase agreement for the house has VA option and escape clauses that allow you to void the contract if the Veterans Administration does not approve the value of the property or you are unable to obtain the VA loan.