Your Ultimate Guide to Securing a Home Loan with Confidence

Buying a home is a significant milestone, and securing the right loan is crucial to achieving your homeownership dreams. This guide will walk you through the essential steps to check your eligibility, connect with your loan team, stay organized, and close your mortgage confidently.

Check Your Eligibility and Get Preapproved

Before diving into the homebuying process, it’s vital to assess your eligibility for a loan that aligns with your financial goals. Preapproval is a crucial step that not only gives you a clear understanding of your budget but also strengthens your position when making an offer on a property.

• Understand Your Financial Situation: Review your credit score, income, and existing debts to determine how much you can afford.
• Get Preapproved: Connect with a lender to get preapproved for a loan. This process involves submitting financial documents and receiving a conditional commitment for a specific loan amount.

Connect with Your Personal Loan Team

Communication is key in the home loan process. Establishing a direct line to your personal loan team can streamline your experience and ensure you have the support you need.

• Multiple Communication Channels: Reach out to your loan team via text, email, or phone. Choose the method that works best for you to ask questions and receive updates.
• Personalized Support: Your loan team is there to guide you through the process, providing tailored advice and assistance at every step.

Stay Organized with MyVU To-Do List

Staying on track during the home loan process is essential. Utilizing tools like the MyVU to-do list can help you manage tasks efficiently.

• View and Complete Tasks: Access your personalized to-do list to see what tasks need your attention. Completing these tasks promptly can keep your loan process moving smoothly.
• Document Submission Made Easy: Take advantage of your smartphone’s camera to capture and upload requested documents directly. This feature simplifies the documentation process and saves time.

Close Confidently on Your Mortgage

As you approach the closing day, it’s important to feel prepared and confident. Here are some steps to ensure a smooth closing process.

• Electronic Signatures: Sign your mortgage documents electronically to save time and reduce paperwork on closing day. This modern approach makes the process more efficient.
• Manage Payments with Ease: Access the Bill Pay Center to set up autopay, make payments, and manage your mortgage efficiently. This feature helps you stay on top of your financial commitments.

Contact Information and Resources

For more information about securing a home loan, visit VeteransUnited.com or call 1-800-884-5560. You can also visit us at 1400 Veterans United Drive, Columbia, MO 65203.

Veterans United Home Loans is a VA-approved lender, licensed in all 50 states. For state licensing information, please visit www.veteransunited.com/licenses. We are an Equal Opportunity Lender and are not endorsed or sponsored by the Department of Veterans Affairs or any government agency.

By following these steps and utilizing the resources available to you, you can navigate the home loan process with confidence and ease. Start your journey to homeownership today!