Timeline of Events
Steps to Owning a La Veta, CO Home with a VA Loan

STEP 1: Pre-Qualify It’s important to pre-qualify because it helps you know how much of a home you can afford. This is a step that no borrower should skip. It can help you narrow down your search for a home by eliminating the homes you can’t afford, saving you both time and money. Our La Veta, Colorado VA mortgage team can help you prequalify. We will ask you questions about your credit history and income and can even run a quick credit check (with your permission). We will also help you get together the documents that show that you qualify for a VA loan in La Veta, CO. Pre-qualifying doesn’t guarantee approval, but it gives you a good idea of what you can borrow if you are approved. It can also help you identify potential problems with your application and reduce unpleasant surprises.

STEP 2: GET PREAPPROVED A pre-approval is like pre-qualification, but it takes the process a step further. Pre-approval verifies certain things about your finances. Pay stubs, employment history, tax returns, proof of real estate holdings, and bank and investment statements will be required for this step of the loan process.

  • Bank/investment statements
  • Employment history
  • Pay stubs
  • Proof of real estate holdings
  • Tax returns/W2s

Once all your documentation has been verified, you will receive a pre-approval letter. It will show that you’ve started the process of applying for a La Veta VA loan and will tell how much of a loan you can afford.

STEP 3: FIND A HOME AND MAKE AN OFFER At this point, it’s time to begin your search for a La Veta home. You should work with a realtor to find a property that’s right for you and within your price range. Once you find the home that’s right for you, you’re ready to make an offer and work on negotiating a contract with the seller. It is essential that your real estate agent is familiar with VA loans in La Veta, CO  and can help you with the contract so that it works to your advantage. Once you’re under contract for a home, your loan officer will order an appraisal for the property. The VA assigns an appraiser to complete the job. Homes have to be move-in ready (with any problems fixed) before the loan closes. The VA has strict guidelines about the condition of homes purchased with a VA loan in La Veta, CO.

STEP 4: UNDERWRITING AND CLOSING At this point, the loan underwriter will verify your financial information and make sure that all the paperwork meets the VA’s guidelines for its loans. Once the loan is approved, you’ll set a closing date to sign the necessary paperwork and move in to your new La Veta home.

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If you’re looking for a personal La Veta VA mortgage experience you’ve come to the right place.  Get the best of both worlds with a designated VA professional plus technology.  What’s even better are the lower rates, no upfront fees and fast closings.  Rates so low the nations largest VA lenders panic when consumers find out about our La Veta, CO VA Mortgage Rates.

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    The Town of La Veta is a statutory town in Huerfano County, Colorado, United States. The town population was 800 as of the 2010 United States Census.[5]

    Col. John M. Francisco, the sutler at Fort Garland, and his business partner, Henry Daigre, purchased 48,000 acres of land in Cuchara Valley in 1862. The land was part of the Vigil land grant. They established a settlement for farmers and ranchers, with Francisco Fort as the commercial center.[8] The 100-foot-square building was constructed with 2-foot thick adobe walls, interior rooms, that opened up to a central plaza. It was built with a flat roof with gun ports along the parapets. In 1863, the fort was attacked by a band of Ute people. Men got on the roof to defend the fort, and a volunteer rode to Fort Lyon. The Utes retreated, though, before the troops arrived.[8]