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Eligibility Requirements
The VA loan program is available to active or retired military service members and their families.
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A few other things you should know about your eligibility for a VA loan are:
- Qualification guidelines. The VA has specific rules for their loan product.
- Property & Ownership Requirements. The home you are planning to purchase or refinance with a VA loan must be your primary residence.
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Military Service Eligibility Guidelines for a VA Loan
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Military Service
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Requirement
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Peacetime
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Served at least 181 days, Active Duty.
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Wartime
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Served at least 90 days, Active Duty.
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Reserves or National Guard
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Served at least 6 years.
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Surviving Spouse
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You are the spouse of a service member who was killed in the line of duty.
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Your VA loan advisor can answer additional questions about VA loan eligibility.
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