VA Eligibility

VA Loans: Eligibility of the program and how to qualify

As a United States Veteran, Service Member or a non-remarried spouse, you are entitled to the benefit of a VA Home Loan. A VA Home Loan can help you save when purchasing a new home or refinancing an existing home. VA Loans are issued by qualified lenders and guaranteed by the U.S. Department of Veterans Affairs (VA)

Are you eligible for a VA Loan?

You’ll need to obtain your Certificate of Eligibility (COE) and your Certificate of Release or Discharge from Active Duty (DD214) before you can apply for a VA home loan.

You are potentially qualified if you’ve spent:

  • 90 days on Active Duty
  • 181 days during peacetime
  • 6 years in the National Guard or Reserves

Eligibility is also available for:

  • An unmarried surviving spouse
  • A spouse of servicemember who is POW/MIA

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