Every buyer’s financial situation varies, so the documentation required may differ. Here’s a list of documents and information that may be part of your VA loan application process:

1. Government-issued ID: Such as a driver’s license or passport to verify your identity.
2. Proof of Income:
   • Recent pay stubs showing year-to-date earnings.
   • If self-employed, provide evidence of income such as profit and loss statements, 1099 forms, and business tax returns for the last two years.
3. Tax Returns:
   • Copies of federal income tax returns for the past two years, including all schedules.
4. W-2 Statements:
   • Two years of W-2 statements from your employer(s).
5. Bank Statements:
   • Statements from checking, savings, and retirement accounts for the last two months to verify your assets and Down Payment funds.
6. Certificate of Eligibility (COE):
   • Obtained from the U.S. Department of Veterans Affairs (VA), this document confirms your eligibility for VA loan benefits based on your military service history.
7. Military Service Documentation:
   • DD-214: For veterans, this form verifies your separation from military service and includes details such as dates of service and character of service.
   • NGB Form 22: If you served in the National Guard, this document serves as proof of your service and eligibility for VA benefits.
   • Statement of Service or Points Statement: Active duty military members may need to provide these documents instead of or in addition to the DD-214.
8. VA Disability Awards Letter (if applicable):
   • Documentation of disability income from the VA.
9. Social Security Awards Letter (if applicable):
   • Documentation of Social Security income.
10. Divorce Decree (if applicable):
    • If you pay or receive alimony or child support, provide documentation outlining the terms.
11. Bankruptcy Documentation (if applicable):
    • Bankruptcy Discharge Letter: If you’ve completed bankruptcy proceedings.
    • Bankruptcy History: Provide a complete history if applicable.

Now that you have a clear understanding of the documents needed for your VA loan application, reach out to Cazle Mortgage to begin the process. Our experienced mortgage consultants specialize in VA loans and are ready to assist you every step of the way. Contact us today to discuss your specific needs and start your journey toward homeownership with confidence.