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VA Loan Eligibility

Your service counts. Check your National Guard, Reserve or active duty service for VA loan eligibility.

How would you like to use your VA loan?

What state is the home located in?

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What is/was your military service?

Are you a disabled veteran?

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VA Loan Eligibility Requirements

All service-members who would like to get a VA loan are required to meet VA loan eligibility requirements for service, credit history, and income. VA loan eligibility is validated through completion of VA Form 26-1880. A VA home loan can be used to buy an existing home that will be used as a primary residence including VA-approved condominiums, a new construction home or to improve your existing home.

Current & Prior Service Active Duty Veterans

StatusQualifying Wartime & Peacetime PeriodsQualifying Active Duty DatesMinimum Active Duty Service Requirement
Currently On Active DutyAnyAny90 continuous days
Gulf War8/2/1990 – Present
  • 24 continuous months, OR
  • The full period (at least 90 days) for which you were called or ordered to active duty
24-month rule9/8/1980 – 8/1/1990 *The beginning date for officers is 10/17/1981
  • 24 continuous months, OR
  • The full period (at least 181 days) for which you were called or ordered to active duty
Post-Vietnam War5/8/1975 – 9/7/1980 *The ending date for officers is 10/16/1981181 continuous days
Vietnam War8/5/1964 – 5/7/1975 *For Veterans who served in the Republic of Vietnam, the beginning date is 2/28/196190 total days
Post-Korean War2/1/1955 – 8/4/1964181 continuous days
Korean War6/27/1950 – 1/31/195590 total days
Post-WWII7/26/1947 – 6/26/1950181 continuous days
WWII9/16/1940 – 7/25/194790 total days

National Guard/Reserves

StatusQualifying Wartime & Peacetime PeriodsQualifying Active Duty DatesMinimum Active Duty Service Requirement
National Guard & ReservesGulf War8/2/1990 – Present90 Days of active service
  • Six years of service in the Selected Reserve or National Guard, AND
    • Were discharged honorably, OR
    • Were placed on the retired list, OR
    • Were transferred to the Standby Reserve or an element of the Ready Reserve other than the Selected Reserve after service characterized as honorable, OR
    • Continue to serve in the Selected Reserve

If you are not currently eligible under the National Guard VA loan eligibility requirements, but have previously served on active duty, you may be eligible for a VA home loan under your active duty service.

Active Guard Reserve or State Technician

If you are currently employed by the Air or Army National Guard on Active Guard Reserve (AGR) orders or work as a state technician, you must have served 90 continuous days or more on Title 10 U.S.C orders or have met prior service eligibility (below) to meet VA loan eligibility requirements.

Surviving Spouse

If you are the surviving spouse of a National Guard member or any veteran that was killed in the line of service, is missing in action, is a prisoner of war or died from a service-connected disability, you can apply for a VA home loan using your surviving spouse benefits with VA Form 26-1817.

VA Certificate of Eligibility

National Guard members, Reservists and veterans who meet VA loan eligibility requirements for their service as shown above, can request a VA Certificate of Eligibility (COE) through the Veteran Administrations eBenefits Portal or by completing VA Form 26-1880 with their lender. You may also obtain a Certificate of Eligibility by visiting your VA Regional Loan Center. It is recommended that you have a copy of your DD214 or NGB-22 form(s) available as it may be required to prove your military service when applying for your VA loan certificate of eligibility. A valid VA Certificate of Eligibility is required to initiate a VA home loan.

Restoration of Entitlement

If you meet VA loan eligibility requirements or VA loan eligibility requirements for your active duty service and  previously had a VA home loan, but would like to apply for a new VA loan, please complete VA Form 26-1880. The property must have been sold and paid off in full in order to have your VA home loan eligibility “restored” for a new VA loan.

If You Do Not Meet Eligibility for a VA Loan

For National Guard members, Reservists or veterans who do not meet VA loan eligibility requirements, we can still help you with your home financing needs to purchase or refinance a home using a conventional, Jumbo, FHA or USDA home loan. Please contact us for more information.


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