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 For veterans and active-duty service members, VA loans are a powerful tool for purchasing a home with favorable terms, including no down payment, lower interest rates, and no private mortgage insurance (PMI). If you’re planning to buy a home in Cerritos, California , here’s a comprehensive step-by-step guide on how to get approved for a VA loan. 1. Check Your Eligibility for a VA Loan The first step in getting approved for a VA loan is determining your eligibility. VA loans are available to: Veterans who have served at least 90 consecutive days during wartime or 181 days during peacetime Active-duty service members National Guard members or reservists with at least six years of service Surviving spouses of service members who died in the line of duty Make sure you have a valid Certificate of Eligibility (COE) to confirm your qualification. How to Obtain a COE: You can apply for a COE online through the VA’s e Benefits portal. Your lender can often retrieve your COE during the appl...