VA Home Loan Eligibility

Take Advantage Of Your Benefits

Who Is Eligible For A VA Home Loan?

VA home loans are intended for military borrowers who meet specific requirements listed by the Department of Veteran Affairs. Borrowers must have a valid Certificate of Eligibility (COE) and also meet lender requirements.

  • VA Borrowers have at least 90 consecutive days of active service during wartime, OR
  • Eligible VA borrowers served 181 days of active service during peacetime, OR
  • VA loan applicants have 6 years of service in the National Guard or Reserves, OR
  • Individuals who are the spouse of a service member who has died in the line of duty or as a result of a service-related disability.

VA Loan Eligibility for Surviving Spouses of Military Members

VA loan eligibility rules include a provision for surviving spouses of military members who died in service or from a service-related medical

VA Loan Eligibility for Guard/Reserve Members

In order for members of the Guard and Reserve to get a VA home loan, they must apply for a VA Certificate of Eligibility (COE) to establish they have

Credit Score Requirements​

The Department of Veterans Affairs (VA), which insures all VA home loans, does not require borrowers to have a certain credit score.

However lenders that issue VA home loans may have their own minimum credit score requirements which range anywhere from 580 to 660.

Check Eligibility

Takes Less Than 1 minute

Veterans And Active Duty

Learn More About Your Benefits