You do NOT need to get your FHA pre-approval yourself. Your lender can pull it instantly. But here are all three options:
Valley West pulls your FHA pre-approval electronically through the FHA’s online system. Takes minutes, costs nothing. This is how 90%+ of buyers get their FHA pre-approval.
Log into eBenefits.va.gov, navigate to “Apply for FHA pre-approval” and download your FHA pre-approval. Requires a DS Logon or ID.me account.
Complete FHA Form 26-1880 and mail it to your FHA 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 eligibility is full or partially used
Shows if you are exempt due to disability
Service dates or status incorrect
Submit corrected DD-214 or Statement of Service to your FHA Regional Loan Center. Your lender can help expedite this process and request a manual FHA pre-approval update.
Previous FHA loan still active
You may still have enough remaining eligibility for a second FHA loan. Or you can request a one-time eligibility restoration if you have sold the previous home and paid off that FHA 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 FHA. Your lender can request a manual review.
Get your personalized FHA rate in 60 seconds. No SSN. No credit impact.
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