COE, LES or DD-214, paystubs, W-2s, bank statements, ID, and your purchase contract — Ryan & Steve walk you through every document so underwriting moves fast.
Every VA file starts with these — gather them early and underwriting stays on track.
Proves your VA entitlement. Active duty can pull via eBenefits; veterans use DD-214. We can obtain it for you if needed.
Active duty provides a Leave and Earnings Statement. Veterans and separated service members provide DD-214 for service verification.
Most recent 30 days of paystubs plus two years of W-2s to document income and employment history.
Two months of full bank statements for all accounts plus a government-issued photo ID for every borrower.
Fully executed purchase agreement with property address, price, and closing timeline once you are under contract.
Some files require extra paperwork depending on your income type and funds source.
A document review upfront prevents last-minute scrambling before closing.
Organize your paperwork once and reuse it through pre-approval and closing.
Step 1
Obtain your Certificate of Eligibility before you start house hunting.
Step 2
Gather paystubs, W-2s, and tax returns if self-employed.
Step 3
Two months of full statements for every account you will use.
Step 4
Send everything to Ryan & Steve for a fast pre-approval review.
Related guides on VA paperwork and qualification.
How to obtain your COE and what entitlement information it shows.
Gift letter requirements and acceptable donor rules for VA loans.
Service requirements, entitlement, and basic eligibility rules.
Program details and payment tools with Ryan & Steve.
2MG Daily
Recent articles from our blog on VA loans, paperwork, and veteran homeownership.
Sep 2, 2026 • 2MG Daily
Read article →
Sep 3, 2026 • 2MG Daily
Read article →
The COE proves your VA loan entitlement. Active duty can often pull it via eBenefits or we can obtain it with your DD-214 or LES. It is the first document every VA file needs.
Most lenders request two months of full bank statements for all accounts used for down payment, closing costs, or reserves. Large deposits may need a letter of explanation.
Yes. Self-employed borrowers typically provide two years of personal and business tax returns, plus profit-and-loss statements and business bank statements.
You will need a gift letter stating the money is a gift with no repayment expected, plus documentation showing the donor had the funds and transferred them to you.
Ryan & Steve will tell you exactly what to upload, pull your COE if needed, and get your pre-approval moving fast.