Quick Summary
ID.me is a secure identity verification service used by the VA, the IRS, and the Social Security Administration. Homebuyers use it to download documents lenders often request, such as VA benefit letters, Social Security award letters, and IRS tax transcripts. Setting it up before you apply can save time.
What Is ID.me?
ID.me is a digital identity service that lets you prove who you are online. Several federal agencies use it to protect access to your records, including the Department of Veterans Affairs, the IRS, and the Social Security Administration. Some agencies also accept Login.gov, so check which options the agency’s sign-in page offers.
Once you’re verified, you can use the same account to sign in to each of these agencies’ websites.
Why Homebuyers Need It
Your lender will ask for documents that prove your income and benefits. Many of those documents are fastest to get online, and ID.me is often the way in.
- VA benefit summary or disability award letter. Veterans download this from VA.gov. Lenders use it to document VA disability income and to confirm whether you’re exempt from the VA funding fee.
- Social Security benefit letter. If you receive Social Security retirement or disability income, you can download a current benefit verification letter from your my Social Security account.
- IRS tax transcripts. Your lender typically requests transcripts directly from the IRS, but pulling your own through your IRS online account lets you confirm what was filed or replace a missing W-2.
Do I Need ID.me for My VA Certificate of Eligibility?
Usually not. Your lender can request your Certificate of Eligibility directly through VA’s lender system. You would only need to sign in to VA.gov if you want to request your COE yourself. Learn more about the VA Certificate of Eligibility.
How to Set Up Your ID.me Account
Setup usually takes a few minutes if you have your documents ready. You’ll need:
- A valid driver’s license, state ID, or passport
- A phone that can take a photo or join a short video call
- Your Social Security number
Check out the VAs guide to create an ID.me account.
Tip: Set up your account before you apply for a mortgage. If verification hits a snag, it’s easier to sort out before your lender is waiting on documents.
Frequently Asked Questions
Is ID.me free?
Yes. Creating and verifying an ID.me account is free.
Which agencies use ID.me?
The VA, the IRS, and the Social Security Administration all use ID.me, along with many state agencies. Some also accept Login.gov.
Do I need ID.me to get a VA loan?
Not usually. Your lender can pull your Certificate of Eligibility directly. ID.me helps when you need to download VA benefit letters, Social Security letters, or IRS transcripts yourself.
Not sure which documents you’ll need for your loan? I’ll give you a clear list up front. Call 219-695-0369 or text me at 219-758-8072, or get prequalified here.
