What documents do I need for VA pre-approval?
COE (or service documents to pull it), DD-214 / Statement of Service, two months of pay stubs, two years of W-2s and tax returns, two months of bank statements, government ID, and authorization for credit pull. Self-employed adds two years of business returns.
Plain-English explanation
VA pre-approval documentation mirrors conventional and FHA, plus the VA-specific items: COE, DD-214 Member Copy 4 (or Statement of Service for active duty), and any disability-rating documents for funding-fee exemption. Spouse documents are added when the spouse is on the loan. Get everything ready before writing — Florida purchase markets move.
What can change the answer?
Florida insurance premiums, property tax millage, county property-appraiser exemptions for disabled veterans, HOA dues, CDD fees, and condo approval status can change the answer.
Want the real answer for your VA file?
VA guidelines are the rule. Your COE, entitlement, residual income, property, and Florida costs are what decide the actual answer.
More VA questions on Florida
Educational only. VA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review.