VA loans for United States Army.
Army service can involve PCS orders, temporary duty, deployment, and changes between active and reserve status. Those facts shape the documents and timing questions in a mortgage file; they do not change VA's underlying eligibility rules.
Common duty locations to research.
- Fort Bragg (NC)
- Fort Hood (TX)
- Fort Bliss (TX)
- Joint Base Lewis-McChord (WA)
- Fort Campbell (KY)
- Fort Carson (CO)
- Fort Stewart (GA)
- Fort Riley (KS)
These locations are planning examples, not a statement that Bolt operates on an installation or in every listed state. Licensed in 42 states and the District of Columbia. Product availability and licensing vary by state.
Build the file around the orders you actually have.
If a report date, deployment, or transition may overlap the purchase, share the orders and current duty-status documents early. Fort Liberty was renamed Fort Bragg in 2025, and Fort Cavazos was renamed Fort Hood effective June 11, 2025. Use the current names while preserving prior-name records when they appear on older orders or documents.
VA-wide rules to keep separate
PCS and occupancy questions
VA purchase financing is for a home the eligible borrower intends to occupy as a primary residence. A PCS schedule does not erase that requirement. Discuss the expected occupancy date, dependents, deployment, and any delayed move with the lender so the file can be reviewed under VA's occupancy guidance.
A spouse may sometimes satisfy occupancy for an active-duty borrower, but it is not an automatic answer for every household. The facts must be documented and approved for the transaction.
When Army records span statuses
A Soldier may have active-duty, National Guard, and Reserve periods in one record. VA eligibility length rules depend on service dates and status; Guard and Reserve paths are not identical to regular active-duty service. Gather each DD-214, NGB form, points statement, and current statement of service that applies.
Check the controlling guidance
VA decides benefit eligibility. A lender reviews the mortgage and property under VA requirements and its own underwriting rules. These primary sources explain the rules; they are not branch-specific promises.