VA Loan Info: Home Loan Eligibility
Eligibility for a VA Home Loan is decided by government guidelines.
Although called a Veterans Administration (VA) Home Loan, eligibility is not limited to veterans. It also includes certain members of:
- Active duty military personnel
- Reservists
- National guard
- Certain categories of spouses
There are further strict guidelines that govern eligibility. For example, a vet must have been honorably discharged and served a minimum of 90 days in war time periods or 180 days in peacetime. For National Guard members, the requirement is a minimum of 6 years service. Spouses of deceased veterans (with a service-related death) can qualify if they have not remarried.
Our VA Loan Specialists will be able to help you with your questions about eligibility.
Once we’ve determined your eligibility, we’ll help you complete the paperwork for a Certificate of Eligibility (VA Form 26-1880). Our expertly trained VA Loan Specialists will provide you with everything you need to know to receive and complete your certificate.
In many cases, we can obtain a Certificate of Eligibility for you and save you valuable time and money. As an authorized lender with the U.S. Department of Veterans Affairs, we can access a web-based application known as ACE (automated certificate of eligibility). In many cases, ACE allows us to quickly determine eligibility and provide a Certificate of Eligibility in a matter of seconds!