Who Is Eligible for a VA Home Loan?

Are you eligible for a VA loan? Please don't assume; let's review the boxes and ensure you know exactly where you stand with your earned benefits.

VA loan eligibility is straightforward but depends entirely on your military service history. There are several different paths to qualification:

You qualify if you've served 90 consecutive days of active duty during wartime periods. The VA defines specific wartime periods, so your service needs to fall within those designated dates.

You also qualify if you've completed 181 days of active duty during peacetime, which covers veterans whose service didn't occur during designated wartime periods.

National Guard and Reserve members qualify after completing 6 years of service. This recognizes the commitment and sacrifice of our part-time service members, who often deploy alongside active-duty forces.

Surviving spouses of veterans who died from service-connected causes also qualify for VA loan benefits. This ensures military families continue to have access to these critical benefits.

In most cases, you'll need an honorable discharge to qualify. There are some exceptions for other discharge types under specific circumstances, but honorable discharge is the standard requirement.

Your Certificate of Eligibility (COE) is your official proof that you qualify for VA loan benefits. This document verifies your service record and confirms your eligibility to lenders.

Many veterans assume they don't qualify or are unsure about their status. The only way to know for certain is to check your specific service record against these requirements.

To learn more, go to: https://valoans.travisegan.com/post/who-qualifies-for-a-va-home-loan

If you're uncertain about your qualification status, don't guess. The VA and qualified lenders can help you determine your eligibility based on your individual service history.

Follow for more Daily Orders content, and reach out if you have questions about your specific eligibility situation.

Remember, I'm here to help. Semper Fi.

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