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Understanding Your Benefits

VA Home Loan Eligibility

In order to obtain a VA home loan, you must first get a VA Home Loan Certificate of Eligibility (COE).  Veterans, active duty personnel, guard and reserve members and military spouses may qualify for this certificate.  To learn more about the eligibility requirements, check out the basic eligibility guidelines below:

Veterans: The largest class of eligible borrowers is veterans. A veteran must have served at least 90-days of continuous service during wartime, or served 181 days of active service during peacetime and will need to provide evidence of their military discharge with form DD-214, and the discharge must be read as an “honorable, under honorable conditions or general.”

Active Duty Personnel: Those who are currently serving in any branch of the Armed Forces may qualify by showing evidence of at least 90-days of continuous service during wartime, or 181 days of active service during peacetime.

Guard and Reserve Members: Current National Guard and Armed Forces Reserve members with at least six years of service are also eligible for the VA home loan benefit.

Surviving Spouses: If you are the spouse of a service member who has died in the line of duty or as a result of a service-related disability you may be eligible for the VA home loan program.

For additional eligibility information, visit the US Department of Veterans Affairs or give one of our home loan specialists a call at 866-369-5853.