You do NOT need to get your pre-approval yourself. Your lender can pull it instantly. But here are all three options:
Valley West pulls your pre-approval electronically through the VA’s WebLGY portal. Takes minutes, costs nothing. This is how 90%+ of homebuyers get their pre-approval.
Log into eBenefits.va.gov, navigate to “Apply for pre-approval letter” and download your pre-approval. Requires a DS Logon or ID.me account.
Complete conventional Form 26-1880 and mail it to your conventional Regional Loan Center with supporting documents. This is the slowest method and rarely needed.
Confirms you meet service requirements
Shows how much guaranty you have remaining
Whether equity is full or partially used
Shows if you are exempt due to disability
Service dates or status incorrect
Submit corrected income verification or Statement of Service to your conventional Regional Loan Center. Your lender can help expedite this process and request a manual pre-approval update.
Previous conventional loan still active
You may still have enough remaining equity for a second conventional loan. Or you can request a one-time equity restoration if you have sold the previous home and paid off that conventional loan.
System says not eligible
This often happens with Guard/Reserve members or those with complex service histories. Provide your NGB-22 (Guard) or discharge papers directly to the conventional. Your lender can request a manual review.
"5-20% down, no PMI at 20%+ down, lowest rate I found. Valley West closed my conventional loan in 24 days."
"Third conventional purchase with Valley West. They shop 50+ lenders every time. Always the best deal."
"Saved $66K over conventional. Zero fees, zero hassle. Valley West knows conventional loans."
Get your personalized conventional rate in 60 seconds. No SSN. No credit impact.
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