- 01
COE
We request the Certificate of Eligibility or you bring it.
- 02
Pre-approval
Credit, residual income, and the payment with the funding fee included if you are not exempt.
- 03
Offer
Your realtor writes it. The VA appraisal follows.
- 04
Close
You occupy the home. The benefit can be used again later.
First VA loan
Using your VA benefit the first time
The first VA purchase is usually a COE, a conversation about the funding fee, and a primary-home contract. VA Lending Group is the VA division of USA Mortgage Group.
Questions
Straight answers
I never requested a COE. Can I still buy?
Yes. We can request it. Active duty may use a statement of service.
Is the funding fee due in cash?
Almost always it is financed into the loan. Exempt borrowers do not pay it.
Do I have to be a first-time homebuyer?
No. First use of VA is not the same thing as first-time homebuyer.
Can a non-veteran spouse be on the loan?
Yes. Occupancy and residual income still apply.
What documents should I gather?
DD-214 or statement of service, photo ID, pay stubs, W-2s, and bank statements. Disability paperwork if you believe you are fee-exempt.
Can I use any realtor?
Yes.
Reviewed by Patrick Crawford, NMLS #231625 · Last updated October 28, 2026