Eligibility

To be eligible for a VA Home Loan, veterans, active duty service members, National Guard members and reservists must meet the basic service requirements set forth by the Department of Veterans Affairs.

The VA Home Loan program offers eligible veterans, service members and surviving spouses the ability to purchase a home with $0 money down or refinance with competitive rates and no monthly mortgage insurance.

These benefits, in addition to flexible credit requirements, make the VA Home Loan is an excellent opportunity for those who have earned their eligibility.

You may be eligible for a VA Home Loan if you meet one or more of the following conditions:

  • 90 consecutive days of service during war time or
  • 181 consecutive days of service during peacetime or
  • 6 years of service in the Reserves or National Guard

Spouses of service members may also apply if they are the not remarried spouse of a veteran who died in the line of duty, or due to a service connected disability; OR the spouse of a service member who is a prisoner of war or missing in action; OR the surviving spouse of a totally disabled veteran whose disability may or may not have been the cause of death.

Those that do not meet the above listed minimum service requirements, may still be eligible if their discharge was due to (1) hardship, (2) the convenience of the government, (3) reduction-in-force, (4) certain medical conditions, or (5) a service-connected disability.

Give us a call today to find out how we can help you get approved.

Main Office: 800-482-1996