Close a VA Loan in 30 Days or Less!

Here’s what you need to close a VA loan in 30 days or less:

Right up front, you need to make sure that you’ve pulled your Certificate of Eligibility at the time of pre-approval. That way, you’re set, prepped, and ready to go.

Number two, you need to be working with someone who understands VA Loans. Fortunately, if you’re working with us, we get it—it’s what we do all day long.

The next thing you want to understand is that the VA loan has an appraisal process that some people assume can take a while. However, the VA says it takes, on average, only about six days, so it’s pretty quick. But you want to order that sooner rather than later to get the ball rolling.

If you get all those things together, and especially if you prepare them all at the very beginning, before you even get under contract, you’re ready to order that appraisal.

Your lender has all the information needed—we’ve already looked at your Certificate of Eligibility, so we don’t have to deal with the VA necessarily again until we confirm everything at the end.

So, we’ve got everything prepped up front.

Make sure you’ve got all your documents in line: you’ve submitted your pay stubs, your LES’s for our military folks, any income documents or bank statements that are needed, that we’re asking from you.

If you’ve got all those in at the beginning, even before you have a contract, that’s going to allow us to close in 30 days or even less.

We’ve seen VA loans close in as fast as 10 days.

You could possibly even do it a little quicker, but to close in under 30 days, have your documents in order, make sure you have that Certificate of Eligibility ready—and we can check that for you—and make sure your appraisal is prepared to get rocking and rolling right out the door.

Now, that’s from the loan perspective.

Beyond that, for the home buying process, you want to make sure that if you’re working with a real estate agent, you also have your home inspection ready to rock and roll right when you’re under contract.

That way, you get the ball rolling to make sure the condition of the home is prepped up and looked at immediately. Because if there are any problems, you ideally want to get those taken care of sooner rather than later.

So overall, to close on the home in under 30 days, make sure you’ve got your documents in order, have everything looked at beforehand, and are working with someone who gets it. That’s what we love to do for folks.

My name’s Evan Kaufman, again, your VA loan originator. Take care.