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VA Home Requirements

While most veterans are eligible for veteran benefits, which include VA loans, it is important to take the proper steps to ensure your eligibility and acquire proof to present to your VA lender. Having your documentation ready in advance will speed up the loan process and help prevent any unforeseen problems.

This is especially important since eligibility for a VA Home Loan includes not only meeting the service requirements, but documetns that prove satisfactory credit and adequate income, as well as presenting your Certificate of Eligibility (COE).

As for the service requirements needed to obtain a VA Loan, a potential borrower must fall into one of the following categories:

  • Active-duty veterans with at least 90 consecutive days of service during a conflict
  • Peacetime veterans with a minimum of 180 days of consecutive service
  • Members of the Selected Reserve and National Guard may also qualify for a VA loan if they have served at least 6 years and were honorably discharged
  • Surviving spouses may also be eligible

If a service member or veteran falls into one of the above categories, they should continue on with the VA Loan process by securing their Certificate of Eligibility. This can be done by any VA Approved lender or through contacting the VA – either online through the eBenefits portal or by Mail using VA Form 26-1880, Request for Certificate of Eligibility.

As for surviving spouses, you may be eligible if you fall in one of four specific categories. The first includes unremarried spouses of a fallen veteran who died while serving or due to a service-connected disability. The second, spouses of a service member missing in action. Thirdly, surviving spouses who remarries on or after age 57, and on or after December 16, 2003. And lastly, surviving spouses of a totally disabled veteran whose disability may not have been the cause of death.

Contact a Veteran Loan Center representative today to learn more, or return to the VA Loan Benefits Handbook.

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