The VA loan is a great opportunity to get into your own home, and you should consider it while looking into your options. That said, it should be easy to see how getting a VA loan isn’t as simple as just getting a home loan. You’ll need to research for yourself and speak with experts before you decide if it’s the right option for you.

This being said, it is crucial that you know the ins and outs of VA loans, especially the basics of the loan process. This will ensure that you have an easier time applying for the loan should the need arise.

Tips to Help Improve Your Chances of Getting VA Home Loan

1 – Start Without a COE

One of the first things that you will learn is that you don’t need a Certificate of Eligibility to apply for a VA home loan. You will need to submit a form to the VA to prove your eligibility, but you don’t need to have it when you apply for the loan.

Because of this, you should consider applying and getting approved for a home loan while waiting for your Certificate of Eligibility. This will allow you to have time to find the perfect home while allowing you to have the money in place if you are approved.

2 – Know Your Credit Score

Applying for a VA home loan is not the same as applying for a traditional home loan, especially when it comes to your credit score. With a traditional loan, you’ll want to make sure everything is as pristine as possible. This includes having good credit and low debt, as well as having a high down payment and more.

3 – Learn the Acceptable Uses

The VA limits the number of homes that you can use a VA loan on. For instance, if you are using your VA loan to buy a home, you must stay in that home for at least three years before you can sell it and buy a different home. If you sell the home, you can use your VA loan for another home.

4 – Check Your Eligibility

You should always be sure that you are eligible for a VA home loan before you apply. This will save you from the hassle and extra cost of going through the application process only to find out that you were not eligible for one.

To do this, you will need to contact the VA. You can get a form online and submit it. If you want to submit it electronically, you can fill out the form and submit it online here. In the meantime, you can read through the eligibility requirements and make sure that you meet them.

5 – Know That a Stable Income Is Key

One of the biggest factors that the VA looks for is income stability. This is because the VA wants to know that the loan is going to be repaid. They want proof that you can pay the home loan on time.


Overall, a VA loan is a great way to get a home loan. It should be easy to see that getting a VA loan isn’t as simple as getting a home loan from a bank. Because of this, you’ll need to make sure that you have a good understanding of how the loan process works and what you’ll need, as well as what you can expect. When you take the time to do this, it will help you in getting your VA home loan.

Should you need a VA loan, come to Cross Timbers Mortgage. We help our customers find the right mortgage for their specific financial goals. Purchasing a new home has become that much easier!