VA Eligibility

Understand the requirements of the VA Home Loan Program

Requirements for VA Eligibility

You or your spouse must meet the basic service requirements set by the Department of Veteran Affairs, and have a valid Certificate of Eligibility (COE). You will also need to satisfy the lender’s credit and income requirements. 

Eligibility Requirements

Meeting any of these requirements will make you eligible for the VA Home Loan: 

Active Duty during Wartime

You've had 90 days of active service during wartime.

Active Duty during Peacetime

You have more than 180 days of active service during peacetime.

Reserves or National Guard

You have 6 years of service in the National Guard or Reserves.

Surviving Spouse

You are the spouse of a service member who has died either in the line of duty or as a result of a service-connected disability.

VA Home Loan Certificate of Eligibility (COE)

Your Certificate of Eligibility (COE) is the most important part of VA home loan. Your COE provides us, the lender with confirmation that you qualify for VA home loan benefits. 

As your lender, we’re able to instantly able to pull your COE through the Department of Veteran Affairs (VA) automated system. Most, or nearly all of COE’s are requested through their portal.