2. Citizens Morgage will apply for your Certificate of Eligibility.

3. Decide on a home you want to buy and sign a purchase agreement conditioned on approval of your VA home loan. Please visit our REALTOR page for a list of local real estate agents.

4. Citizens Mortgage Company will order an appraisal from VA, which will determine the reasonable value for the property. A Notice of Value will be issued.

5. Once the appraisal is reviewed, your loan will be finalized.

6. Attend the loan closing. Citizen Mortgage will explain the loan terms and requirements as well as where and how to make the monthly payments. All relevant papers are signed and a move-in is determined.