The VA Loan Process Explained: From Pre-Approval to Closing

Proudly Serving Veterans and Active-Duty Families Across Maryland

For veterans and active-duty servicemembers, buying a home is one of the most important milestones in life — and the VA loan is a powerful tool that makes homeownership more accessible and affordable. At VA Proactive Lenders, we are singularly focused on helping those who’ve served achieve the American dream of homeownership.

Located in Silver Spring, Maryland, we proudly serve the state’s richly diverse veteran communities in Prince George’s County, Anne Arundel County, Baltimore County, Montgomery County, and Harford County. We also specialize in assisting active-duty servicemembers in the communities surrounding Fort Meade, Naval Air Station Patuxent River, and Aberdeen Proving Ground.

If you’re new to the VA loan process, here’s a clear breakdown — from pre-approval to closing — so you know what to expect every step of the way.

Step 1: Get Pre-Approved

Your first step is to get pre-approved for a VA loan. This gives you a clear idea of how much home you can afford and shows sellers you’re a serious buyer. At VA Proactive Lenders, we make this step smooth and stress-free by reviewing your service history, income, credit, and financial documents.

Tip: You’ll need a Certificate of Eligibility (COE), but don’t worry — we can help you obtain it quickly.

Step 2: House Hunting with Confidence

Once you’re pre-approved, you can begin shopping for homes within your budget. Whether you’re looking in the suburbs of Anne Arundel County or closer to military bases like Fort Meade, having a VA-focused lender in your corner gives you a competitive edge.

We work closely with local real estate agents who understand VA loan requirements and timelines to help you find the right fit for your lifestyle and needs.

Step 3: Making an Offer and Getting Under Contract

Once you find your home, your agent will help you submit an offer. If accepted, you’ll officially be under contract. This is when the loan process begins in earnest — and VA Proactive Lenders steps in to manage everything from start to finish.

Step 4: VA Appraisal and Underwriting

The VA requires an appraisal to ensure the home meets its property standards and is worth the price you’re paying. This is also when underwriting takes place — our team reviews all your documentation to finalize the loan.

Why it matters: We’ve helped thousands of military buyers through this process. We know what underwriters need and how to handle it quickly, keeping your loan on track.

Step 5: Clear to Close & Final Walkthrough

Once your loan is approved and all conditions are met, you’ll get the “clear to close.” You’ll do a final walkthrough of the property to make sure everything is in order before signing.

Step 6: Closing Day – Welcome Home!

On closing day, you’ll sign your final documents and receive the keys to your new home. With no down payment, no private mortgage insurance (PMI), and competitive interest rates, VA loans make homeownership a smart and rewarding decision for military families.

Why Choose VA Proactive Lenders?

At VA Proactive Lenders, we don’t just process VA loans — we live and breathe them. Our team understands the unique needs of servicemembers, veterans, and their families, and we take pride in providing guidance every step of the way.

We’re proud to serve:

• Veterans in Prince George’s County, Anne Arundel County, Baltimore County, Montgomery County, and Harford County

• Active-duty military near Fort Meade, NAS Patuxent River, and Aberdeen Proving Ground

Ready to Begin Your VA Loan Journey?
Call VA Proactive Lenders today to schedule a personalized consultation and get pre-approved. We’re here to serve those who’ve served — with expertise, care, and commitment.