VA Borrower Needs List
Please see the chart below to help make the VA Loan process a little smoother. There are several steps you need to take when acquiring a mortgage loan. We are available through every step. Please contact your dedicated Loan Officer with any questions you may have. If you need a Loan Officer, visit our branches page for a local branch office.
|Action Items||Timing/ Specifics|
|Leave and Earnings Statement (LES)
DD214 Member 4, NGB22 or similar release discharge documents; and/or State of Service and/or points statement (as applicable)
|Needed at the Start of the Process
|Certificate of Eligibility (COE)||Can be ordered by Mortgage Network, Inc.|
|VA Amendatory clause||To be signed with Purchase & Sale Agreement (P&S) by both parties|
If property needs remediation, please contact your Loan Officer; all work will need to be completed before the closing.
Not required in all states
|Ordered 1-3 Days after Signed P & S Agreement Received: to be signed by both parties|
|Water Tests (if property has well water)
Water test must be conducted by the testing company; interested parties are not allowed to collect the samples.
|Ordered 1-3 Days after signed P&S received
Must meet VA minimum requirements
Evidence of peeling/chipped paint, absence of railings, or any other structural issues with the property that may compromise the safety of the occupant may need to be addressed before closing
|Ordered by Lender with fully executed P&S|