Familiarize yourself with the home mortgage process before you even begin house hunting
Get set up with an experienced VA Realtor in your area
Start Making Offers/Get Offer Accepted
Lock Interest Rate/Have Merchants order the VA appraisal
Sign Loan Estimate along with other initial govt required paperwork
Loan Processor submits the file to the VA underwriter for approval
Underwriter Approves Loan – provide a list of any additional items needed before closing
Appraisal report received and signed off by underwriter
Closing Disclosure emailed be signed (Closing Disclosure should mirror the initial Loan Estimate)
Merchants sends the closing documents to the escrow company 3 days after the Closing disclosure is signed
You sign arrange with the escrow firm to sign the closing documents either at their office or they will send a notary to a convenient location for you.
The escrow firm sends Merchants the signed closing package (either electronically or by overnight)
Merchants wires the funds to escrow
The loan funds and then is recorded with the county
The transaction is now closed and you receive your keys.