Steps to Prepare for VA Loan Approval

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Start by checking your eligibility for a VA loan, which requires a valid Certificate of Eligibility (COE) from the VA. Gather necessary documents like your DD Form 214, proof of income, and bank statements. Work on improving your credit score to at least 620, though many lenders prefer higher. Save for closing costs, even though no down payment is needed. Finally, choose a VA-approved lender and get pre-approved to streamline the process.