VA Home Loan Application

Streamline Your VA Home Loan Process with This Complete Application Template

Serving those who served—that's what VA home loans are all about. If you're a lender, mortgage broker, or financial institution working with military veterans, this VA Home Loan Application template is designed to help you deliver a smooth, respectful and efficient application experience that honors the sacrifice of service members while meeting all the requirements of VA-backed home financing.

Why Use Paperform for VA Home Loan Applications?

Processing VA home loans involves unique documentation requirements, eligibility verification, and funding fee calculations that don't apply to conventional mortgages. This template brings all those specialized elements together in one professional, easy-to-complete form that works for veterans, active-duty service members, reservists, National Guard members, and surviving spouses.

Built specifically for mortgage brokers, loan officers, credit unions, banks, and VA-approved lenders, this template replaces scattered PDFs, email chains, and incomplete paper applications with a single digital experience that collects everything you need upfront—including DD-214 discharge papers, Certificate of Eligibility (COE) requests, and automated VA funding fee calculations.

What Makes This VA Loan Template Different

Unlike generic loan applications, this template is purpose-built around the VA home loan process. It guides applicants through military service verification, captures required documentation like DD-214 forms, and automatically calculates the VA funding fee based on service type, down payment amount, and first-time use status.

The form intelligently adapts based on applicant responses—showing different questions for active-duty versus veteran applicants, handling exemptions for disabled veterans, and streamlining the COE request process. Everything is designed to reduce confusion, eliminate back-and-forth, and help you move qualified veteran borrowers toward closing faster.

Key Features for VA Loan Processing

Military Service Documentation: Secure file upload fields for DD-214 (Certificate of Release or Discharge from Active Duty), COE if already obtained, and other service records. The form clearly explains what documentation is needed and why, reducing delays from missing paperwork.

Automated VA Funding Fee Calculator: The template includes smart calculations that determine the VA funding fee based on service type (veteran, active duty, reserves/National Guard), loan type (purchase vs. refinance), down payment percentage, and whether it's the borrower's first use of VA benefits. Veterans with service-connected disabilities can indicate their exemption status, automatically setting the fee to zero.

Certificate of Eligibility (COE) Request: If the applicant doesn't already have their COE, the form collects all the information needed to request one on their behalf through the VA's eBenefits portal or WebLGY system, including service dates, discharge type, and branch of service.

Property and Loan Details: Standard mortgage fields for property address, purchase price, loan amount, intended use (primary residence requirement for VA loans), and estimated property value, with built-in validation to ensure VA loan limits and eligibility requirements are met.

Income and Employment Verification: Comprehensive financial information collection including current employment, military retirement pay, VA disability compensation (which can be used as qualifying income), and other income sources—all formatted to match VA underwriting standards.

Co-Borrower and Spouse Information: Conditional fields that appear when applicable, capturing joint applicant or non-purchasing spouse details as required by VA loan regulations.

Perfect for Lenders Serving the Veteran Community

This template is ideal for:

• Mortgage brokers and loan officers specializing in VA home loans and veteran services
• Credit unions and community banks with veteran-focused lending programs
• VA-approved lenders processing purchase and refinance applications
• Military housing offices providing lending resources to service members
• Financial institutions expanding into the VA loan market

Seamless Integration with Your Lending Workflow

Paperform's integration capabilities mean every VA loan application can automatically flow into your existing systems. Connect to your CRM (Salesforce, HubSpot, Pipedrive) to create new loan opportunities, send data to your loan origination system (LOS), notify your processing team via Slack or email, or store applications in Google Drive, Dropbox, or Airtable for organized file management.

Use Stepper (stepper.io) to build complete loan processing workflows: when a VA application is submitted, automatically send a welcome email, create a processing checklist in your project management tool, order the appraisal, request the COE if needed, and keep the applicant updated at each milestone—all without manual intervention.

For lenders who need to collect deposits, application fees, or lock-in fees, Paperform's native Stripe, PayPal, and Square integrations let you accept payments directly within the application, eliminating the need for separate payment processing.

Security and Compliance You Can Trust

VA loan applications contain sensitive financial and personal information, including Social Security numbers, military service records, and detailed financial data. Paperform is SOC 2 Type II compliant, uses bank-level encryption for data transmission and storage, and offers data residency controls to keep information where you need it.

While Paperform is not HIPAA compliant (relevant for some healthcare-related applications), it provides enterprise-grade security appropriate for financial services, including SSL encryption, secure file uploads, role-based access controls, and detailed audit logs. Your veteran applicants can trust that their information is protected throughout the process.

Built for Speed, Accuracy, and Veteran Experience

The doc-style editor makes it easy to customize this template to match your brand, add specific disclosures required by your institution, or adjust questions based on your underwriting criteria. The form can be embedded directly on your website, shared via link, or even set up on a custom domain to create a dedicated VA loan application portal.

With conditional logic, the form only shows relevant questions—veterans won't see active-duty fields, first-time users won't be asked about subsequent use funding fees, and disabled veterans automatically bypass fee calculations. This intelligent design creates a faster, less frustrating experience that respects applicants' time and service.

The AI Insights feature helps loan officers quickly analyze patterns across multiple applications, identify common qualification issues, and spot opportunities to improve your veteran lending program.

Supporting Those Who Served

For mortgage professionals, VA loans represent an opportunity to serve those who served our country. This template helps you deliver that service with professionalism, efficiency, and the respect veterans deserve. From the first form field to the final funding fee calculation, every element is designed to make the VA home loan process clearer, faster, and more accessible.

Whether you're processing five VA loans a month or fifty, this template scales with your business while maintaining the personal touch that veteran borrowers value. Start with Paperform's free plan to test the template, then upgrade to Pro or Agency+ as your veteran lending program grows.

Ready to transform your VA home loan applications? This template gives you everything you need to collect complete, accurate information from military borrowers while providing the smooth digital experience today's veterans expect.