Step 1: Determine Your VA Loan Eligibility

The VA home loan program offers competitive interest rates, no down payment requirements, and no private mortgage insurance (PMI). To qualify, you'll need a Certificate of Eligibility (COE), which you can obtain through the VA eBenefits portal, your lender, or by mail.

Step 2: Set Your Budget & Get Pre-Approved

Before house hunting, determine how much home you can afford. A VA-approved lender can help you get pre-approved by reviewing your credit, income, and debt. This step strengthens your offer when you find the right home.

Step 3: Find a VA-Savvy New Jersey Realtor

A real estate agent with experience in VA loans—like Ken LePosa—can guide you through the home search and ensure the property meets VA loan requirements. Ken understands the challenges veterans face and is committed to making the process smooth and stress-free.

Step 4: Start House Hunting

With your pre-approval in hand, begin searching for a home that fits your needs. Consider location, size, and property conditions to ensure it's a long-term fit for you and your family.  Ken has lenders that provide not only the best service in VA home loans but also the customer service that you deserve because of all the service you have provided this country you deserve the same dedicated service from a lender.

Step 5: Make an Offer & Get a Home Inspection

Once you find the right home, submit an offer. While a VA appraisal is required to confirm the home's value, a separate home inspection is highly recommended to check for potential issues.

Step 6: Close on Your New Home

After the loan is finalized, you’ll sign the closing documents and receive the keys to your new home! Thanks to VA benefits, many veterans can close with little to no out-of-pocket expenses.