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VA Loan Qualifications

Generally, almost every veteran is eligible to qualify for a VA loan. Specific qualifications for a VA loan include several different factors. The first step toward qualifying, however, is to complete a Certificate of Eligibility. The qualifying factors include the following criteria: active-duty veterans with at least 90 consecutive days of service during major conflict, peacetime veterans and active duty personnel with a minimum of 180 days of consecutive service, active-duty veterans discharged during WWII or later who do not have a "dishonorable" status, enlisted veterans who began service after 1980, and officers who began service after 1981 and served a minimum of 2 years. Additionally, 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.


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