Timeline of Events
Steps to Buying a Three Points, AZ 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 Three Points, Arizona VA mortgage team can help you pre-qualify. 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 Three Points, AZ. 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 Three Points, Arizona 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 Three Points 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 Three Points, AZ  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 Three Points, AZ.

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 Three Points home.

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If you’re looking for a personal Three Points 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 Three Points, Arizona VA Mortgage Rates.

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    Three Points is a census-designated place (CDP) in Pima County, Arizona, United States. The population was 5,581 at the 2010 census.

    According to David Leighton of the Arizona Daily Star newspaper, Three Points, also known as Robles Junction was founded in 1882. Bernabe S. Robles, who was born in 1857, in Baviácora, Sonora, Mexico. His family relocated to Tucson in 1864, where he grew up. After spending sometime in Florence, Arizona, he returned to Tucson and accepted a mail route to Gunsight, Arizona, near Ajo. It was during this time he located what is now called Robles Pass, near Cat (Back) Mountain, while searching for a shorter route to Gunsight. In 1882, he had his brother Jesús homesteaded 160 acres at what is now Robles Junction/Three Points. The brothers dug a well to set up a watering stop and stage station so Bernabe could water his horses along his mail route. He eventually gave up his mail route, and moved to the former watering stop/stage station, which at that point was called the Robles Ranch. He and his family ran the ranch for many years, even after the family had moved back to Tucson. Robles died in 1945. The old ranch house is now the Three Points/Robles Junction Community Center.[2]