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 Steps to a VA
Guaranteed Home Loan

7 Easy Steps
to a VA Guaranteed Home Loan


1. Meet with Citizens Mortgage to complete obtain a pre-approval for a home loan.

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.

7. Citizens Mortgage Company applies to VA for evidence of guaranty.


Click on the menu below for more information regarding VA Loans
Steps To A
VA Home
Applying for
the Loan
Adapted Housing
Questions &

Citizens Mortgage Company

496 Old Route 66,
St. Robert, MO 65584


Toll Free: 800.440.2666
Ph: 573.336.2666
Fax: 573.336.2668



Get started!

Contact Citizen's Morgage today!


Call Citizens Mortgage Company
for your home loan needs at
Toll Free 1.800.440.2666

Serving the Fort Leonard Wood,
Waynesville and St. Robert Missouri areas.

Conventional Loans   VA Loans
Rural Development Loans
and Re-financing