To be eligible for a VA Loan, veterans, active duty service members, National Guard members and reservists must meet the basic service requirements set forth by the Department of Veterans Affairs. Spouses of military members who died while on active duty or as a result of a service-connected disability may also be eligible.
It’s ultimately up to the VA to determine eligibility for the home loan program, but prospective borrowers can get a good idea by looking at the VA’s basic eligibility guidelines.
You may be eligible for a VA Home Loan if you meet one or more of the following conditions:
• You have served 90 consecutive days of active service during wartime, OR
• You have served 181 days of active service during peacetime, OR
• You have more than 6 years of service in the National Guard or Reserves, OR
• You are the spouse of a service member who has died in the line of duty or as a result of a service-related disability.
If you don’t meet these requirements are if you are not sure of your eligibility? Give us a call to speak with our VA Loan Specialist today 1 (888) 992-4723
How to Apply for a VA Loan Certificate of Eligibility (COE)
While you don’t need your VA Certificate of Eligibility in hand to start the loan process with Veterans United, this certificate is a very important part of your loan application. Your COE verifies that your length and character of service make you eligible to use the VA home loan benefit.
• You can apply for a VA Loan Certificate of Eligibility four different ways:
• Apply through a VA approved lender
• Apply online through the VA’s portal: https://www.va.gov/housing-assistance/home-loans/how-to-apply/
• Apply by mail with VA Form 26-1880
• Or leave it to us and We can request our VA specialist to obtain your Certificate of Eligibility on your behalf.