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VA loans
Guide
VA Home Loan Readiness Guide
For eligible veterans and surviving spouses buying with the VA loan benefit.
A printable readiness worksheet for the first conversation with a lender — the questions, the documents, and the glossary.
What’s inside
- COE — request and bring
- DTI — pre-check worksheet
- Residual income — VA-side test
- Property / appraisal / termite trifecta
- Funding fee — when and how
- Lender conversation checklist
$19pay once · pdf · a4 / us letter
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Inside the kit
What you get.
A printable readiness worksheet for the first conversation with a lender — the questions, the documents, and the glossary.
- Certificate of Eligibility (COE) — how to request and what to bring
- Debt-to-income (DTI) — what a lender will run and how to pre-check it
- Residual income — the VA-side test that catches applications DTI misses
- Property / appraisal / termite — the inspection trifecta and who orders what
- Funding fee — when you owe it, when you do not, and how to roll it in
Sample preview
Look before you buy.
Three quick snapshots of what lands after checkout. Tap any tile for the full preview.
What readers are saying
In their words.
From veterans who used this in the real transition.
“The COE section laid out exactly what to request and what to bring. My lender said I was the most prepared VA buyer they'd worked with that year.”
— James P., Navy, BM1 → Port Operations Supervisor “I pre-checked my DTI before the lender ran it. The numbers matched. No surprises at underwriting, no scrambling. The worksheet does exactly what it says.”
— Lydia H., Army, 92A → Supply Chain Coordinator “The appraisal section saved me from waiving the inspection on a property that had a termite issue. I didn't know who ordered what until I read this.”
— Omar T., Marine Corps, 1371 → Construction Project Coordinator