Qualifying for a VA Loan

Three pieces of documentation are required to determine eligibility

  • DD214 for discharged veterans statement of service for active military personnel
  • Certificate of Eligibility (COE)
Your Mortgage Professional can help you acquire a COE and determine additional qualifying criteria, such as minimum credit scores, debt-to-income (DTI) ratios, and your county's maximum loan amount.

Who is eligible for a VA home loan?

  • Eligible veterans must have at least 90 days of active duty service during the periods shown below, and must have been honorably discharged.
  • World War II (September 16, 1940 to July 25, 1947)
  • Korean conflict (June 27, 1950 to January 31, 1955)
  • Vietnam era (August 5, 1964 to May 7, 1975)

Veterans who have served during peacetime and active duty military personnel must have more than 180 days of active service to be eligible. Enlisted veterans whose service commenced after September 7, 1980, and officers whose service commenced after October 16, 1981, must in most cases have served at least 2 years.

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