VA Loans for Veterans

The VA Loan is a home-mortgage option available to United States Veterans, Service Members and not remarried spouses. VA Loans are issued by qualified lenders and guaranteed by the U.S. Department of Veterans Affairs (VA).

What You’ll Need for the VA Loan Application

Once you find a home that meets your preferences, needs and budget, it’s time to finalize your VA loan application.

No matter what lender you choose, you will be required to provide information about yourself, your employer and your spouse or partner if they are a co-borrower on the mortgage. Documentation required for your VA loan application is used to verify your employment history, creditworthiness and your overall financial situation.

These documents may include:

A government issued photo ID
Recent pay stubs
Two years’ worth of W-2 statements
Bank, investing and retirement statements
For self-employment, 1099 or rental income, the last two years of federal tax returns
Copy of your DD-214
For active military, a statement of service letter signed by your commanding officer

Your lender may require additional documentation depending on your unique financial situation.

Potential homebuyers should know that it is vital to complete your VA loan application as accurately as possible. Not disclosing key facets about your finances or refraining from providing requested documentation will delay the VA loan process and may result in loan denial.


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NMLS 2427 - NMLS 1469474

Southlake Mortgage is a DBA of Golden Empire Mortgage, Inc.

Golden Empire Mortgage, Inc. ("GEM") [NMLS ID No. 2427] is a California corporation whose principal business office is located at 1200 Discovery Drive, Ste. 300, Bakersfield, California 93309. GEM is a residential mortgage lender and servicer licensed by the Department of Business Oversight pursuant to the California Residential Mortgage Lending Act under license no. 413-0360. GEM conducts residential mortgage lending activities in the following additional states as follows

Texas: GEM conducts business in the state of Texas as GEM Mortgage, Inc. pursuant to a Mortgage Bankers Registration issued by the Texas Department of Savings and Mortgage Lending. Notice to Texas Loan Applicant