Can I sign the application electronically?

Yes in most cases. Electronic signatures are legally valid under the ESIGN Act (15 U.S.C. ch. 96) and UETA where adopted; however, certain documents or state rules can require wet signatures or notarization, so confirm with your lender and state law.

What supporting documents are typically required?

Common attachments include recent pay stubs, W-2s or tax returns, bank statements, photo ID, and for VA loans the Certificate of Eligibility or service records. Lenders may request additional documents for income stabilization or asset verification.

How do I correct errors after submission?

Notify your lender immediately. Minor errors may be corrected via an updated form or an addendum; substantive misstatements could require a new application. Keep documented approvals for any corrections.

Is notarization always required?

Not necessarily. Notarization rules vary by state and lender; some states or specific loan documents require notarization or witnesses. Check state notary requirements and lender instructions before executing the form.

Who must sign the form?

All borrowers listed on the loan must sign where indicated. Co-borrowers and non-borrowing spouses may also need to sign depending on title, community‑property rules, or lender requirements.

How long does processing typically take?

Processing times vary by lender and file completeness. Submitting a fully completed form with clear supporting documents shortens underwriting. If records are missing, expect additional days or weeks for verification.

Electronic Signature
Templates
Real estate
FHA-VA Loan Application Form

FHA-VA Loan Application Form

This template is fully customizable. Edit the text, fill out the fields, and send it for signature. Give it a try!

FHA-VA Loan Application Form

Application Date:

Borrower Information

Full Legal Name Current Address

Phone:

Email:

Social Security No. (last 4):

Employer

Position:

Monthly Gross Income:

Employment Start Date

Co-Borrower Information (if applicable)

Full Legal Name Current Address

Phone:

Monthly Gross Income:

Property Identification

Property Address

Parcel / APN Number:

Unit/Condo Number (if applicable):

Legal Description

Loan and Purchase Terms

Loan Program: FHA VA

Purchase Price:

Requested Loan Amount:

Down Payment / Credits:

Earnest Money Deposit:

Interest Rate (if known):

Term (years):

Proposed Closing Date: Possession Date:

Inspection Period (number of calendar days): Appraisal Contingency: Yes

Financial and Asset Information

Assets (savings, checking, investments) Liabilities (mortgages, loans, judgments)

Property Condition & Disclosures

Lead-Based Paint Known: Yes No

Prior Material Damage or Repair (water, fire, structural): Yes No

Located in Flood Zone: Yes No

Additional Remarks Regarding Condition

Declarations and Certifications

By signing below, the Borrower certifies, under penalty of perjury, that the information provided in this application is true and correct to the best of the Borrower's knowledge. The Borrower understands that material misrepresentation may constitute fraud and may result in denial of the loan, civil liability, or criminal penalties.

The Borrower authorizes the lender, its agents, and any assignees to verify employment, income, asset and credit information necessary to evaluate this application. The Borrower authorizes any person or entity to release such information upon request. The Borrower understands that the lender may obtain consumer credit reports and other investigative reports in connection with this application.

For VA applications: the Borrower affirms current or prior active military service and understands that eligibility verification and Certificate of Eligibility may be required as a condition for VA-backed financing. For FHA applications: the Borrower acknowledges applicable insurance and underwriting requirements.

The Borrower agrees that this application is an inquiry to obtain a mortgage loan and is not a commitment to lend. Any commitment will be set forth in a separate written loan agreement executed by the lender and the Borrower. The Borrower further acknowledges that the lender may require additional documentation prior to loan approval and closing.

Applicant Acknowledgments

I certify that I have received a full and fair opportunity to review this application and that all information provided is accurate and complete.

Borrower Printed Name:

By (Signature):

Date:

What the FHA-VA Loan Application Form is and when it's used

The FHA-VA Loan Application Form collects borrower, property, income, asset, and military-service information needed to evaluate eligibility for Federal Housing Administration (FHA) or Department of Veterans Affairs (VA) mortgage programs. Lenders use the completed form to underwrite the loan, determine program-specific eligibility and calculate required fees. The form often accompanies supporting documents—pay stubs, tax returns, credit reports and VA evidence of entitlement—and may be signed electronically where permitted by ESIGN and applicable state law.

Why a clear, accurate FHA-VA application matters

A complete, accurate application reduces underwriting delays, supports correct fee and entitlement calculations, and helps ensure lender and VA/FHA program compliance. Clear documentation also limits follow-up requests and speeds decisioning for loan approval.

Who prepares and relies on the FHA-VA Loan Application Form

The form is completed by borrowers and processed by mortgage professionals; several parties depend on the data for underwriting and closing.

Borrowers and co-borrowers who apply for FHA or VA mortgages, including active-duty service members, veterans, and qualifying spouses.
Lenders and mortgage brokers who collect the form, verify documentation, and submit case data to FHA/VA as required.
Housing counselors, closing agents, and attorneys who review, explain, or validate application information during origination and closing.

Accurate completion protects applicants from delays and reduces the risk of inconsistent records across underwriting and closing.

Core sections you will find on the form

A professional FHA-VA Loan Application Form is organized to capture identity, income, property, VA status, legal declarations, and signatures so underwriting and program checks can proceed without rework.

Borrower Details

Legal names, contact information, Social Security numbers, dates of birth, and marital status used for identity verification and credit checks.

Property Details

Property address, type, occupancy intent, and basic sales/contract terms required to determine program eligibility and collateral for the loan.

Income & Employment

Employer names, job titles, gross monthly income and employment history used to calculate debt-to-income ratios for underwriting decisions.

Military / VA Info

Service status, character of discharge, and VA file or claim number to establish entitlement and qualifying exemptions for VA-guaranteed loans.

Declarations

Standard borrower attestations about bankruptcies, foreclosures, liabilities, and intent to occupy, which affect eligibility and underwriting.

Signatures & Notarization

Signature blocks, dates, and any notary or witness elements required by lender, state law, FHA, or VA program rules.

Step-by-step: completing and submitting the application

Follow these sequential steps to minimize delays and ensure the application is ready for underwriting.

01

1. Gather documents: Collect IDs, pay stubs, tax returns, and VA evidence.
02

2. Complete form: Enter borrower, property and income details carefully.
03

3. Attach evidence: Upload or attach required supporting documents.
04

4. Sign and submit: Sign, notarize if required, and send to your lender.

Configuring a digital workflow for online completion

Use a consistent digital workflow to collect signatures and supporting documents while preserving an audit trail for underwriting.

Field	Configuration
Authentication	Email with optional SMS code for signer verification.
Required uploads	Designate pay stubs, tax returns, and VA documents as required.
Conditional fields	Show military fields only if borrower answers 'yes'.
Audit trail	Capture IP, timestamp, and signer actions automatically.

Where to send the completed form and how it moves through review

A completed application typically moves from borrower to lender, then to underwriting and program-specific registration before closing.

Submit to Lender: Borrower or broker transmits the completed form to the lender.
Lender Review: Lender verifies information and requests missing documents.
Program Registration: Lender registers the case with FHA or VA as applicable.
Underwriting & Closing: Underwriter issues approval, then closing and funding follow.

Digital signing, file formats, and integration needs

Choose a platform that supports required formats, captures an audit trail, and integrates with lender origination systems.

File Formats: PDF, DOCX, and HTML accepted.
Integrations: Salesforce, Microsoft 365, NetSuite and loan systems.
Authentication: Email, SMS code, or stronger MFA available.

Confirm your lender accepts the platform's export and audit formats and whether e-signatures meet program requirements.

Required data elements on the FHA-VA Loan Application

Borrower Name: Full legal name

Social Security: 9-digit SSN or TIN

Date of Birth: MM/DD/YYYY

Income Documentation: Gross monthly income

Property Address: Full street address

Military Info: Service status and VA number

Sample eSignature vendor comparison for FHA-VA application workflows

Pricing and core capabilities for common eSignature vendors to consider when selecting a platform for application collection and e-submission.

	signNow	DocuSign	Adobe Sign	PandaDoc	HelloSign
Starting Price	$8/user/mo	$15/user/mo	$14/user/mo	$19/user/mo	$15/user/mo
Free Trial	7-day free trial	Varies	Varies	Varies	Varies
Bulk Send	Yes	Yes	Yes	Yes	No
Audit Trail	Yes	Yes	Yes	Yes	Yes
HIPAA Compliant	Yes	Yes	Yes	No	No
Envelope Cap	No cap	100 envelopes/user/year	Varies	Varies	Varies

Practical tips to reduce errors and speed approval

Adopt these practices to improve accuracy, preserve compliance, and shorten underwriting cycles for FHA and VA loan applications.

Verify identity before submission

Confirm names, SSNs, and dates of birth match government ID and credit reports. Early identity checks reduce downstream verification requests and help avoid enrollment or entitlement mismatches.

Use checklists and required uploads

Provide a lender checklist including pay stubs, W-2s, tax transcripts, and VA documentation. Attaching standardized file types and clear filenames prevents review delays and reduces missing‑document follow-ups.

Apply consistent formats

Use MM/DD/YYYY for dates, whole dollars for income, and full address lines. Consistent formatting lowers manual data‑entry errors and improves automated underwriting results.

Preserve an audit trail

Capture signature timestamps, IP addresses, and signer authentication records. Maintain these logs to support program audits and to document consent under ESIGN/UETA requirements.

Common mistakes that delay FHA or VA loan processing

Entering nicknames or partial legal names that do not match IDs, causing identity verification failures and credit mismatches.
Omitting VA evidence or misreporting service dates, which affects entitlement validation and may require additional documentation.
Uploading illegible or incorrect supporting documents, such as truncated pay stubs or redacted tax transcripts, requiring resubmission.
Failing to sign all required borrower lines or missing notarization where state or lender rules require it, delaying closing.

Consequences of incorrect or fraudulent application data

Loan Denial: Application may be refused

Funding Delay: Closing and funding may be postponed

Repayment Acceleration: Lender may call loan due under certain events

Loss of Entitlement: VA benefits may be impacted or reduced

Legal Liability: Possible civil or criminal claims

Tax Consequences: Incorrect TINs trigger IRS penalties

Frequently asked questions about the FHA-VA Loan Application Form

Answers to common procedural and compliance questions encountered when completing or submitting an FHA-VA loan application.

Need help? Contact support

Can I sign the application electronically?
Yes in most cases. Electronic signatures are legally valid under the ESIGN Act (15 U.S.C. ch. 96) and UETA where adopted; however, certain documents or state rules can require wet signatures or notarization, so confirm with your lender and state law.
What supporting documents are typically required?
Common attachments include recent pay stubs, W-2s or tax returns, bank statements, photo ID, and for VA loans the Certificate of Eligibility or service records. Lenders may request additional documents for income stabilization or asset verification.
How do I correct errors after submission?
Notify your lender immediately. Minor errors may be corrected via an updated form or an addendum; substantive misstatements could require a new application. Keep documented approvals for any corrections.
Is notarization always required?
Not necessarily. Notarization rules vary by state and lender; some states or specific loan documents require notarization or witnesses. Check state notary requirements and lender instructions before executing the form.
Who must sign the form?
All borrowers listed on the loan must sign where indicated. Co-borrowers and non-borrowing spouses may also need to sign depending on title, community‑property rules, or lender requirements.
How long does processing typically take?
Processing times vary by lender and file completeness. Submitting a fully completed form with clear supporting documents shortens underwriting. If records are missing, expect additional days or weeks for verification.

be ready to get more

Join over 28 million airSlate SignNow users

Sign Now