Requirements and Applying for Eligibility for VA Loans

If you are a veteran, currently serving in the military or were married to someone who was killed in the line of duty you may be eligible for a VA loan. Here is a list of some requirements for eligibility. We’ve also broken down the process for applying and becoming approved for your VA loan.


First, you need to be able to say yes to at least one of the following questions:


-Have you served 181 days during peacetime (Active Duty)?

-Have you served 90 days during a time of war (Active Duty)?

-Have you served a minimum of 6 years in the Reserves or National Guard?

-Are you the spouse of a service member who was killed in the line of duty?


Here is a government list of dates for service eligibility


If you can say yes to at least one of these then you most likely qualify. The next step will then be to prove your eligibility to a lender approved for providing VA loans.  You will need an official certificate of eligibility and you can apply for it on the government’s site here


There are also many documents you will need to submit in order to apply and become approved whether you served in the National Guard, active duty or are a surviving spouse. There are many documents for some and all of them are listed by category here: under “Evidence of Eligibility.”

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