5 Steps to a VA Loan Apply for a Certificate of Eligibility. A veteran who doesn't have a certificate can obtain one easily by contacting your local VA office and then submitting it to one of the eligibility centers with copies of your most recent discharge or separation papers covering active military duty since September 16, 1940, which show active duty dates and type of discharge. Apply to a mortgage lender for the loan & get pre-approved for you loan. While the appraisal is being done, the lender (mortgage company, savings and loan, bank, etc.) can be gathering credit and income information. If the lender is authorized by VA to do automatic processing, upon receipt of the VA or LAPP appraised value determination, the loan can be approved and closed without waiting for VA's review of the credit application. For loans that must first be approved by VA, the lender will send the application to the local VA office, which will notify the lender of its decision. Decide on a home the buyer wants to buy and sign a purchase agreement Order an appraisal from VA. (Usually this is done by the lender.) Most VA regional offices offer a "speed-up" telephone appraisal system. Call the local VA office for details.   Close the loan and the buyer moves in.