Understanding the Statement of Service for VA Loans

When applying for a VA loan, active-duty service members are typically required to submit a statement of service. This document helps lenders confirm your VA loan eligibility and move your loan application forward.

If you’re currently serving in the military, understanding what this document includes and how to get it can help you avoid delays when using your VA loan benefit.

Statement of Service Example

Keep in mind that the format of your statement of service may vary based on your commanding officer. Here's a general template to give you an idea of what it might look like:

VA Loan Statement of Service Requirements

A statement of service is usually mandatory for active-duty service members when getting a VA loan. While the exact format may vary, the letter typically includes information that your VA lender needs to verify your military employment.

Some of the key information commonly found in a statement of service includes:

• Official letterhead
• Date
• Full name
• Social security number
• Date of birth
• Branch of service
• Rank
• Date entered on active duty
• Current date of separation
• Unit of assignment and current duty location
• Duration of time lost (if any)
• Last discharge
• Type of discharge
• Barred or flagged status from continued service
• Reservist status (active or inactive)
• Eligibility to reenlist
• Information current as of date
• Signature and title of signer

How to Get a Statement of Service for a VA Loan

Securing your statement of service for a VA home loan can be a time-consuming process, so you should start the process as early as possible. Your commanding officer is typically the key source for obtaining this document. When reaching out to request your statement of service, be sure to specify all the required details to ensure the letter is accurate and comprehensive.

Generally, the process for obtaining a statement of service looks like:

1. Let your admin office know you need the document for a VA home loan
2. Draft or download a template for an official statement of service (some branches have preferred formats, such as Form DA 1506 for the Army)
3. Send your personal information, statement draft and commanding officer contact info to one of the following:
   1. Army: S-1 or Soldier Readiness Section
   2. Air Force: Military Personnel Flight
   3. Navy: Admin Officer, Executive Officer or Yeoman staff
   4. Marines: S-1 or battalion admin
4. Have the letter signed and dated by your commanding officer
5. Submit the statement of service to your VA lender

Depending on your service, some VA lenders may request Form DD-214, your LES or points statement alongside the statement of service.

Most lenders require your statement of service to be dated within 30 days of your loan application. It is also best practice to submit the document electronically when possible to protect sensitive information and streamline the process.

More: Key Documents to a Speedy VA Loan Application

Common Statement of Service Pitfalls

To keep your VA loan on track, it’s important to avoid a few common mistakes when submitting your statement of service. One of the biggest missteps is requesting the document too early. Since lenders usually require it to be dated within 30 days of your application, an outdated statement could delay your approval or require a fresh copy.

Another common issue is missing or incomplete information. Even small omissions like leaving out your rank, service dates or submitting a version without a valid signature can slow things down.

Using official unit letterhead, including all required details and ensuring the document is properly signed are key to avoiding unnecessary setbacks.

If you need help with your statement of service, reach out to a Veterans United VA loan expert at 855-870-8845 or get started online today.