Here are the VA loan requirements which were last updated by the VA on July 21, 2017. For more detailed information, contact one of our experienced mortgage loan officers.
Service member eligibility requirements
This list of requirements assumes you were honorably discharged. Also, the requirements are less stringent if you were disabled in the line of duty. The VA determines eligibility of military members by issuing a Certificate of Eligibility that proves the borrower meets all requirements. Your mortgage loan officer will work with you on obtaining your Certificate of Eligibility.
- 90 consecutive days of active duty during wartime
- 181 days of continuous active duty during peacetime
- Six years of service in the National Guard or Reserves
- Two years of active duty if service began after September 7, 1980 for enlisted service members or October 16, 1981 for officers
- VA loans are available for surviving spouses and dependents of service members who died in the line of duty or as a result of a service-related disability. Surviving spouses lose this eligibility if they remarry.
The VA has a set of criteria a property must meet to qualify for a VA loan. These requirements are summarized below.
- VA loans may only be used for your primary residence.
- The property must be safe, structurally sound and sanitary.