Am I eligible for a VA Loan?

Eligibility Requirements

To be eligible for a VA loan, applicants must meet one or more of the following criteria:

  1. 90-consecutive days of active service during wartime
  2. 181-days of active service during peacetime
  3. 6-years or more of service in the National Guard or Reserves
  4. Spousal relation to a service member who died in the line of duty (or as a result of a service-induced disability)

What Types of Service are Eligible for a VA Loan?

There are 7 different uniformed services that have VA home loan benefits:

  1. Army
  2. Navy
  3. Air Force
  4. Marines
  5. Coast Guard
  6. National Oceanic Atmospheric Administration (NOAA)
  7. Public Health Service (USPHS)

For specifics on any of these services, you can check the VA website.

VA Loan Requirements

The Department of Veterans Affairs has mandated requirements for qualifying for VA Loans today. To be eligible for these loans, veterans, active-duty service members, National Guard members, and those on the reserves list must meet these requirements. Spouses left in the wake of a military member who died while serving are also eligible for the loans.

The decision rests with the VA to determine acceptance into the loan program; however, prospective borrowers can still get a good idea of whether they are eligible for a VA loan by looking at the guidelines set forth today.

Only one of the four eligibility requirements mentioned above needs to be met for review by the VA. Once you review the guidelines and affirm that you are permissible under at least one of the restrictions, it’s time to apply for a VA Loan Certificate of Eligibility (COE).

What Is a VA Loan Certificate of Eligibility?

A certificate of eligibility is simply proof of a veteran’s service. The certificate is an official way to show that a veteran has met the minimum service requirement to be eligible for a VA loan. 

It is worth noting that you do not NEED this certificate to begin the loan application process, but this item is essential in validation eligibility.

How Do I Apply for a VA Loan Certificate of Eligibility (COE)?

There are 5 application options:

  1. Use the VA’s eBenefits Portal
  2. Mail-in VA Form 26-1880
  3. Use a VA-approved lender
  4. Request Assistance from our loan team to acquire this COE with your permission.
  5. Speak with one of our VA specialists to get your COE immediately today.

Let Us Do This for You!

There are 5 application options:

  1. Use the VA’s eBenefits Portal
  2. Mail-in VA Form 26-1880
  3. Use a VA-approved lender
  4. Request Assistance from our loan team to acquire this COE with your permission.
  5. Speak with one of our VA specialists to get your COE immediately today.

We would love to help you acquire your certificate of eligibility, and fortunately, the process typically only takes a few minutes to complete. Obtaining your COE may require you to fill out a proof of your military service form (DD-214) for completion. However, after this piece of the process is done, your home financing can move forward without any obstacles!

VA Loan approval in 5 minutes*

1Apply in minutes*
2Talk to a loan officer
3Close in as little as 14 days
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