Did you serve? You probably qualify.
The VA loan benefit reaches farther than most people think. If you're unsure, take 60 seconds and ask us — we'll pull your Certificate of Eligibility for you.
Veterans
Discharged under conditions other than dishonorable, meeting service length requirements — typically 90 days active wartime or 181 days peacetime.
Active Duty
Currently serving with at least 90 continuous days of active duty. Your COE can be pulled with your DD-214 alternative.
National Guard & Reserve
6 years of service, or 90 days of active federal service under Title 10 in some cases. Recent legislation expanded eligibility for many Guard members.
Surviving Spouses
Un-remarried spouses of veterans who died in service, from a service-connected disability, or under other qualifying circumstances.
Eligibility, explained one topic at a time.
Certificate of Eligibility (COE)
Your COE is the VA's official confirmation that you've earned home-loan benefits. It shows your entitlement, funding-fee status, and prior VA loan usage.
VA Loan Entitlement
Entitlement is the amount the VA guarantees on your loan. Understanding basic vs. bonus entitlement — and how restoration works — is what separates 'I can only borrow $X' from 'I can borrow whatever I qualify for'.
Service Requirements
The minimum service to qualify for a VA loan depends on when you served. Here are the current rules by era.
National Guard & Reserve Eligibility
Guard and Reserve eligibility for the VA loan expanded significantly in 2020. If you were told 'no' before then, ask again.
Surviving Spouse Eligibility
The VA loan benefit continues for surviving spouses of veterans who died in service, from a service-connected disability, or under other qualifying conditions.
Disability Rating and the Funding Fee Waiver
Veterans receiving VA disability compensation of any amount are exempt from the VA loan funding fee — often a $6,000–$15,000 closing-cost savings.
Discharge Status and VA Loan Eligibility
'Honorable' isn't the only qualifying discharge. Most 'other than honorable' discharges can still qualify with the right paperwork.
Reusing Your VA Loan Benefit
The VA loan benefit isn't a one-time card. Most veterans can reuse it after selling, and many can hold two VA loans at once.
Not sure? Let us pull your COE.
In most cases we get it back in minutes — no DD-214 required to start.