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how do we go about getting a house with a V. A. home loan.

Profile picture for gymper36
We were approved/qualified appx 1 1/2 yr. ago for a V. A. loan
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March 25 - Redlands
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Profile picture for akoi
Real Estate Agent
Contributions: 1032
Valorie, I watched this thread for a while to see if anyone even knew what a "Certificate of Approval" from the VA was. VA loans are not something that you can just pretend to give advice about and just wing it...You were the only person...Very good!
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April 02
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Since October 2009

Yes, get pre-approved again if you're ready to start looking. Not all banks do VA loans, but I would still try to at least go to 2 banks at the same time to make sure both are saying the same thing -- a little checks and balances.

When you ask around for an agent, ask if they've ever worked with a VA loan or if they don't have a problem. Some agents aren't flexible and don't know or care to work with anything but a regular mortgage. You want to make sure you're working with someone professional and ready to take care of you through the whole process.

Enjoy your home search.

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March 30
Profile picture for QUALITY REALTOR
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First do you have a Cretificate of Approval from VA. You then have to take that to the bank. Banks approvals are usually only good for max 6 months.
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March 30
Profile picture for ohiosmitty
Real Estate Agent
Contributions: 353
You should first get re-approved as many things "could have and did" change from 1 1/2 years ago. What I mean is things could have changed on your side and things definitely changed on the banking side.

So, get pre-approved again and find a local agent to help you find your home. Once you find the home, the agent, the lender, and all other professionals involved with close the transaction for you!
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March 25
 

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