From eligibility to keys in hand — here’s how VA homebuying actually works.

You’ve served your country. Now it’s time to use one of your greatest earned benefits: the VA home loan.

👉 Backed by the Department of Veterans Affairs, a VA loan lets eligible service members, veterans, and surviving spouses buy a home with no down payment, no mortgage insurance, and flexible credit guidelines.

Here’s exactly how to buy a home with a VA loan — broken down into simple, clear steps from start to finish.

---

✅ Step 1: Check Your VA Eligibility

You may qualify if you:

• Served 90+ days active duty during wartime, OR
• Served 181+ days during peacetime, OR
• Served 6+ years in the National Guard or Reserves, OR
• Are a surviving spouse of a veteran who died in service or from a service-connected disability

📘 You’ll need a Certificate of Eligibility (COE) — but don’t worry, we’ll help you get it quickly through our lender portal.

---

✅ Step 2: Get Pre-Approved With a VA-Approved Lender

Pre-approval lets you:

• Know exactly how much home you can afford
• Understand your monthly payment range
• Strengthen your offer with sellers
• Avoid delays once you find a home

At PRMI, we’ll:

• Pull your credit report (soft pull available)
• Review income and assets
• Check your entitlement status
• Walk you through every step — no pressure

💡 A full pre-approval carries more weight than a generic pre-qual — especially in competitive markets.

---

✅ Step 3: Work With a VA-Savvy Real Estate Agent

Choose a Realtor who:

• Understands the VA loan process
• Knows how to structure VA offers
• Is comfortable working with $0 down buyers

We can refer you to trusted VA-experienced agents in your area if needed.

✅ Bonus: VA loans are not harder to close than other loans — when you work with the right team.

---

✅ Step 4: Make an Offer and Go Under Contract

Once you’ve found the right home, we’ll help you:

• Structure your offer
• Include necessary VA-specific contingencies
• Prepare your Loan Estimate and VA funding fee info

Your VA loan still allows:

• Seller concessions (up to 4%)
• Home inspection and appraisal protections
• Escrowed taxes and insurance

📘 We’ll walk you through every document and decision with clarity and care.

---

✅ Step 5: Complete the VA Appraisal and Underwriting

This step ensures:

• The home is safe, sanitary, and structurally sound
• The value supports the price
• Your loan meets VA and lender guidelines

Don’t worry — our in-house VA underwriters help smooth the process.

💡 If anything comes up (like repairs), we’ll work with your agent to resolve it quickly and keep you moving toward closing.

---

✅ Step 6: Close and Get Your Keys

Once approved:

• You’ll sign your final loan documents
• Bring minimal (or no) funds to close
• Get your keys and move in

VA loans close in about 20–30 days on average — often faster with our streamlined process.

🎉 And just like that — you’re officially a homeowner.

---

🧠 What If You’ve Used a VA Loan Before?

You may still be eligible through:

• Remaining entitlement
• Bonus entitlement
• Restoration of full entitlement after a prior loan is paid off

We’ll walk through all your options in real time.

---

🏢 Why PRMI?

We help you:

• Get pre-approved fast with VA expertise
• Understand your entitlement, funding fee, and monthly costs
• Navigate every step with support and speed
• Buy confidently — without unnecessary red tape

We’re proud to serve those who’ve served.

---

👇 Ready to Start the VA Loan Homebuying Process?

Let’s confirm your eligibility, review your budget, and get you pre-approved — no obligation, just a clear path forward.