{"id":4874,"date":"2016-11-08T13:50:29","date_gmt":"2016-11-08T13:50:29","guid":{"rendered":"http:\/\/teammovemortgage.com\/?p=4874"},"modified":"2020-07-13T22:33:02","modified_gmt":"2020-07-13T22:33:02","slug":"statement-of-service-letter-requirements","status":"publish","type":"post","link":"https:\/\/teammovemortgage.com\/blog\/statement-of-service-letter-requirements\/","title":{"rendered":"Statement of Service Letter Requirements for a VA Loan"},"content":{"rendered":"\n<p>VA home loans are such a great way for our military to affordably finance a new home.&nbsp; The benefits are many and our service members deserve it.&nbsp; We also feel that&nbsp;education and answering questions for&nbsp;Veterans&nbsp;and Service Members&nbsp;is key.&nbsp; Some of the most popular questions we receive on VA loans stem from the VA Statement of Service.&nbsp; Additionally it is one of the most misunderstood VA requirements.&nbsp;&nbsp;A popular question is &#8220;Why do you need a statement of service when you have my LES?&#8221;.&nbsp; Then another is &#8220;How does my C.O. complete the statement of service letter?&#8221;.<\/p>\n\n\n\n<div class=\"wp-block-button aligncenter\"><a class=\"wp-block-button__link has-text-color has-very-light-gray-color\" href=\"http:\/\/teammovemortgage.com\/blog\/2015\/06\/12\/va-loan-limits\/\">VA Loan No Money Down &amp; No Limit Effective 1\/1\/2020<\/a><\/div>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"alignright\"><img decoding=\"async\" src=\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2016\/11\/American-flag-Copy-180x180.jpg\" alt=\"What is a Statement of Service letter\" class=\"wp-image-4879\"\/><\/figure><\/div>\n\n\n\n<p>So let&#8217;s answer these questions and give an example to make things easier.<\/p>\n\n\n\n<p><strong>Besides the normal proof of income and asset statements,&nbsp;VA loans have&nbsp;3 primary required forms.&nbsp; These are:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Certificate of Eligibility<\/li><li><a href=\"http:\/\/teammovemortgage.com\/blog\/2015\/05\/23\/dd214-va-records\/\"><span style=\"text-decoration: underline;\">DD214<\/span> <\/a>&#8211; Veterans only<\/li><li>Statement of Service &#8211; Active Duty Military or Reserves (Spoiler alert!&nbsp; There&nbsp;is an&nbsp;alternative!)<\/li><\/ul>\n\n\n\n<div class=\"wp-block-button aligncenter\"><a class=\"wp-block-button__link has-text-color has-very-light-gray-color\" href=\"http:\/\/teammovemortgage.com\/blog\/2019\/08\/31\/va-loan-occupancy-requirement\/\">Buy a Primary Home in Another State Using VA Loans<\/a><\/div>\n\n\n\n<p>Foremost, the VA certificate of eligibility is required on all VA loans.&nbsp; It states how much entitlement is available to finance a VA home loan.&nbsp; So basically entitlement determines loan amount and down payment amount.&nbsp; The next step depends on a borrower&#8217;s military status.&nbsp; Discharged Veterans must provide a <a href=\"http:\/\/teammovemortgage.com\/blog\/2015\/05\/23\/dd214-va-records\/\"><span style=\"text-decoration: underline;\">dd214<\/span><\/a> which breaks down the service dates, discharge status, and more.&nbsp; Lenders use this form to request the <a href=\"http:\/\/teammovemortgage.com\/blog\/2016\/08\/30\/va-entitlement-code-explained\/\"><span style=\"text-decoration: underline;\">VA COE<\/span><\/a>.&nbsp; But active duty or reservists&nbsp;may be required to provide the statement of service.&nbsp;&nbsp;Which is the topic of this article.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"text-align:center\">Why is a Statement of Service Letter Required?<\/h2>\n\n\n\n<p>Typically, mortgage lenders use a form called a verification of employment (VOE) to gather critical pieces of information.&nbsp; Well, for military borrowers, there are a couple of&nbsp;employment verification options.&nbsp; The&nbsp;first military verification option is a&nbsp;statement of service.&nbsp; <strong>Although&nbsp;we most often use&nbsp;a second option because it is easier on the service member.<\/strong>&nbsp; This report is called the &#8220;<em>Status Report Pursuant to Service members Civil Relief Act<\/em>&#8220;.&nbsp; The status report, if allowed and available, is easily obtained by our VA processors.&nbsp; In this case, our service members are saved the headache!&nbsp; Win Win!<\/p>\n\n\n\n<div class=\"wp-block-button aligncenter\"><a class=\"wp-block-button__link has-text-color has-very-light-gray-color\" href=\"http:\/\/teammovemortgage.com\/blog\/2019\/05\/01\/va-construction-loan\/\">Use VA Construction Perm to Build a Home<\/a><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" style=\"text-align:center\">A&nbsp;Statement of Service is Required When&#8230;<\/h3>\n\n\n\n<ol class=\"wp-block-list\"><li>Certificate of Eligibility is not available online &amp; is needed to request the COE from VA<\/li><li>Borrower has less than 12 months on the ETS date to show..\n<ol>\n<li>borrower is eligible to re-enlist<\/li>\n<li>there is no reason the borrower will not be allowed to re-enlist<\/li>\n<\/ol>\n<\/li><li>Using &#8220;other pays&#8221; other than Base, BAH, BAS.&nbsp; Proof pay will continue 12+ months after closing.<\/li><li>Using a reservist&#8217;s pay.&nbsp; Would show&#8230;\n<ol>\n<li>how many drills borrower has participated in<\/li>\n<li>if active reservists training with units throughout the year<\/li>\n<li>if participating in annual active duty for training (usually 2 weeks and one weekend per month)<\/li>\n<\/ol>\n<\/li><\/ol>\n\n\n\n<p>So, an LES will show the rate of pay, rank, separation date, allotments, and more.&nbsp; Then, W2&#8217;s and tax returns show previous years income.&nbsp; But&nbsp;you can see how these forms help lenders meet the required&nbsp;Veteran&#8217;s Administration guidelines.&nbsp; Basically, the SOS or Status Report,&nbsp;plus the LES provide key details to determine loan qualification.&nbsp;&nbsp;Furthermore these forms prevent fraud.<\/p>\n\n\n\n<div class=\"wp-block-button aligncenter\"><a class=\"wp-block-button__link has-text-color has-very-light-gray-color\" href=\"http:\/\/teammovemortgage.com\/blog\/2017\/11\/01\/va-manual-underwriting\/\">VA Loan Manual Underwriting Solutions<\/a><\/div>\n\n\n\n<p>And just so you see lenders don&#8217;t just make this up, below we give the actual VA guideline.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">The actual&nbsp;underwriting guideline&nbsp;from the VA Lender&#8217;s Handbook Chapter 2, 4.b:&nbsp; Veterans still on active duty:<\/h4>\n\n\n\n<p>Proof of service for Veterans on active duty is a statement of service signed by, or by the direction of, the adjutant, personnel office, or commander of the unit or higher headquarters they are attached to.&nbsp; There is no one unique form used by the military for a statement of service.&nbsp; While statements of service are typically on military letterhead, some may be computer generated.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"text-align:center\">How do I get my Statement of Service Letter?<\/h2>\n\n\n\n<p>Military life is busy!&nbsp; So finding some time with your Commanding Officer can be tough.&nbsp; This is why&nbsp;we try to use the status report when possible.&nbsp;&nbsp;But if the SOS is needed, get it early!&nbsp; As mentioned above, there are specific rules for who completes and signs the statement of service.&nbsp; Most often, the commanding officer completes the form.&nbsp; But&nbsp;the personnel office, headquarters, or the adjutant may sign it as well.<\/p>\n\n\n\n<div class=\"wp-block-button aligncenter\"><a class=\"wp-block-button__link has-text-color has-very-light-gray-color\" href=\"http:\/\/teammovemortgage.com\/blog\/2015\/05\/23\/bonus-entitlement-2nd-tier-entitlement\/\">Having 2 VA Loans at Once<\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"text-align:center\">What is Required in a Statement of Service Letter?<\/h2>\n\n\n\n<p>So we know this required, but what in the world goes on the form?&nbsp; The following is typical for a Statement of Service<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Letterhead<\/li><li>Date<\/li><li>Full Name of Borrower<\/li><li>Social Security Number<\/li><li>Date of Birth<\/li><li>Branch of Service<\/li><li>Rank<\/li><li>Date Entered on Active Duty<\/li><li>Current Date of Separation<\/li><li>Unit of Assignment &amp; Current Duty Station<\/li><li>Duration of Time Lost (if applicable)<\/li><li>Last Discharge<\/li><li>Whether Barred or Flagged from Continued Service<\/li><li>If Reserves, Whether Borrower is Active or Inactive Status<\/li><li>If Eligible to Re-enlist<\/li><li>Information Current as of Date<\/li><li>Signature and Title of Signer<\/li><li>Amounts of other pay (flight pay, parachute pay, special duty pay, etc.) and how long they are expected to continue<\/li><\/ul>\n\n\n\n<p><b><\/b><b><\/b><i><\/i><a href=\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2016\/11\/Sample-statement-of-service.png\"><u>See a Statement of Service Example Here<\/u><\/a><\/p>\n\n\n\n<p>If you are ready to buy a home, go ahead and request your statement of service letter.&nbsp; It will save you some time during the mortgage process<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" style=\"text-align:center\">Secret to Fast VA Loan Approval Up-Front<\/h3>\n\n\n\n<ol class=\"wp-block-list\"><li>Signed and dated Statement of Service Letter (Ask us if we need it though)<\/li><li>DD214 (if no longer in the military)<\/li><li>Current LES<\/li><li>Most recent W2 and Tax Return<\/li><li>Most recent bank statement (all pages of actual monthly statement)<\/li><li>Photo identification<\/li><li>Military transfer orders &#8211; if transferring to a new base<\/li><\/ol>\n\n\n\n<p>We will request your COE, status report, complete your application, and discuss your mortgage options.&nbsp; Our goal is to have educated, confident, and approved buyers!<\/p>\n\n\n\n\n\n<p>\n\nCheck out my&nbsp;<strong><a href=\"https:\/\/activerain.com\/blogsview\/5407772\/va-loan-occupancy-requirement-is-more-relaxed-than-you-think-?show_share=1\">ActiveRain profile<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>VA home loans are such a great way for our military to affordably finance a new home.&nbsp; The benefits are many and our service members deserve it.&nbsp; We also feel that&nbsp;education and answering questions for&nbsp;Veterans&nbsp;and Service Members&nbsp;is key.&nbsp; Some of the most popular questions we receive on VA loans stem from the VA Statement of [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":4879,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5,33,17,40,48],"tags":[793,794,783,795,796],"class_list":["post-4874","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-1st-time-buyers","category-frequently-asked-questions","category-products","category-tips","category-va-loans","tag-statement-of-service-example","tag-statement-of-service-letter","tag-va-certificate-of-eligibility","tag-va-loan-approval","tag-va-loan-qualification"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Statement of Service Letter Requirements and How to Complete It<\/title>\n<meta name=\"description\" content=\"Learn everything about the statement of service letter. We explain why it is required, how to get it, and what it needs to say. Even the actual VA guideline\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/teammovemortgage.com\/blog\/statement-of-service-letter-requirements\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Statement of Service Letter Requirements and How to Complete It\" \/>\n<meta property=\"og:description\" content=\"Learn everything about the statement of service letter. We explain why it is required, how to get it, and what it needs to say. 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