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Timeline of Events
Steps to Owning a Pueblo, 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 Pueblo, 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 Pueblo, 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 Pueblo 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 Pueblo 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 Pueblo, 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 Pueblo, 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 Pueblo home.

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If you’re looking for a personal Pueblo 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 Pueblo, CO VA Mortgage Rates.

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    Once this form is completed, a local VA mortgage consultant will be reaching out to you. You will receive an instant email with the credentials of your VA consultant with contact information and a photo. We look forward to assisting you with your home buying or refinancing needs.

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    In the Southwestern United States, Pueblo (capitalized) refers to the Native tribes of Puebloans having fixed-location communities with permanent buildings. The Spanish explorers of northern New Spain used the term pueblo to refer to permanent indigenous towns (as it is used in Spain) they found in the region, mainly in New Mexico and parts of Arizona, in the former province of Nuevo México. This term continued to be used to describe the communities housed in apartment structures built of stone, adobe mud, and other local material.[2] The structures were usually multi-storied buildings surrounding an open plaza, with rooms accessible only through ladders raised/lowered by the inhabitants, thus protecting them from break-ins and unwanted guests. Larger pueblos were occupied by hundreds to thousands of Puebloan people. Various federally recognized tribes have traditionally resided in pueblos of such design. Later Pueblo Deco and modern Pueblo Revival architecture, which mixes elements of traditional Pueblo and Hispano design, has continued to be a popular architectural style in New Mexico. The term is now part of the proper name of some historical sites, such as Acoma Pueblo.

    The word pueblo is the Spanish word both for “town” or “village” and for “people” (as in nation). It comes from the Latin root word populus meaning “people”. Spanish colonials applied the term to their own civic settlements, but only to Native American settlements having fixed locations and permanent buildings. Less-permanent native settlements (such as those found in California) were often referred to as rancherias.