Timeline of Events
Steps to Buying a Tucson, 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 Tucson, 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 Tucson, 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 Tucson, 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 Tucson 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 Tucson, 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 Tucson, 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 Tucson home.

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

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    Tucson (/ˈtuːsɑːn, tuːˈsɑːn/; Spanish: Tucsón; O’odham: Cuk-Ṣon; Navajo: Tó Oostsʼąʼ) is a city in and the county seat of Pima County, Arizona, United States,[5] and is home to the University of Arizona. It is the second largest city in Arizona, with a population of 542,629 in the 2020 United States Census,[6] while the population of the entire Tucson metropolitan statistical area (MSA) is 1,043,433.[7] The Tucson MSA forms part of the larger Tucson-Nogales combined statistical area (CSA). Tucson is the second most-populated city in Arizona behind Phoenix, both of which anchor the Arizona Sun Corridor. The city is 108 miles (174 km) southeast of Phoenix and 60 mi (97 km) north of the U.S.–Mexico border.[5] Tucson is the 33rd largest city and the 58th largest metropolitan area in the United States (2014).