Thank you for trusting Florida's VA Mortgage Center to guide you through your home purchase. Once your offer is accepted, there are important milestones between contract and closing. This guide explains what to expect and how to keep your loan moving smoothly.
1. Schedule Your Home Inspection
Arrange your inspection as soon as possible so you can identify any issues and stay within your inspection contingency deadlines.
2. Sign Your Loan Disclosures
You will receive electronic disclosures that must be signed promptly so we can begin
processing your loan file and move it forward to underwriting.
3. Loan Processing
Our processing team reviews your documentation, orders verifications, and prepares the
file for underwriting.
4. Underwriting
The underwriter reviews the loan for compliance with VA and investor guidelines and may
issue additional conditions.
5. VA Appraisal
The VA appraisal confirms the property's value and verifies that it meets VA minimum
property requirements.
6. Clear to Close
Once all conditions are satisfied, the lender issues a final approval and closing documents
are prepared.
7. Final Walkthrough
Shortly before closing, you will confirm that the property is in the agreed-upon condition.
8. Closing Day
You will sign your final documents and receive the keys to your new home.
Borrower Do's and Don'ts
Do not open new credit accounts, finance furniture, change jobs, or make large unexplained
deposits during the loan process.
Typical Timeline
Most VA purchase transactions close in 30 days or less, depending on appraisal timing and
documentation.