Am I Eligible For a VA Home Loan?

VA Home Loan Requirements | USVA RealtyUsually all active duty personnel and those veterans that have been other than dishonorably discharged are eligible for a VA home loan.  Disabled Veterans can be eligible for even more benefits and have no service eligibility requirements!  Surviving spouses of Veterans can be eligible for VA loans as well.  See below for more details about your specific VA home loan eligibility requirements. If you fall within the VA loan eligibility guidelines, the next step is to fill out Form 26-1880 to get your certificate of eligibility or click the “GET STARTED” button above or below, fill out your information and let one of our lender partners get your COE in a few days using the ACE (automated certificate of eligibility) system or the Web LGY system.  USVA Realty is a free service available only to veterans and US military servicemen and women.

If you served:

DURING WARTIME:  You must have served at least 90 days on active duty.
DURING PEACETIME:  You must have served at least 180 days on active duty.
IN THE NATIONAL GUARD:  You must have served at least 6 years.
IN THE SELECTED RESERVES:  You must have served at least 6 years.

If you are:

A DISABLED VETERAN:  If you have a service related disability there may be no service eligibility requirements. Make sure you let your lender know you are a disabled veteran so you can qualify for these extra benefits.

A SURVIVING SPOUSE:  If you are an Unremarried spouse of a veteran who died while in service or died as a result of a service related disability, or the Unremarried spouse of a POW or MIA service person you are eligible for the VA home loan benefit.  Download and follow the instructions on Form 26-1817 for unmarried spouses to gain your Certificate of Eligibility (COE) or if you prefer our partner lender can get your COE for you in a few hours upon request using the automated certificate of eligibility (ACE) program.

A US CITIZEN:  If you are a US citizen that served in the armed forces of a US ally during World War II you may be eligible for the VA Home Loan program.

Downloads

  • Form 26-1880.PDF – REQUEST FOR A CERTIFICATE OF ELIGIBILITY
    FOR VA HOME LOAN BENEFITS
  • Form 26-1817.PDF – REQUEST FOR DETERMINATION OF LOAN GUARANTY
    ELIGIBILITY – UNMARRIED SURVIVING SPOUSES