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  • Eligibility requirements for VA home loan programs.

    Learn about VA home loan eligibility requirements for a VA direct or VA-backed loan. Find out how to request a Certificate of Eligibility (COE) to show your lender that you qualify based on your service history and duty status. Keep in mind that for a VA-backed home loan, you’ll also need to meet your lender’s credit and income loan requirements to receive financing.

    VA Eligibility Guidelines

    Minimum active-duty service requirements

    When did you serve?

    Between August 2, 1990 and present (Gulf war to present)

    You meet the minimum active-duty service requirement if you served for: 

    • At least 24 continuous months, or
    • The full period (at least 90 days) for which you were called or ordered to active duty, or
    • At least 90 days if you were discharged for a hardship, or a reduction in force, or
    • Less than 90 days if you were discharged for a service-connected disability

    Between Sept 8, 1980, and August 1, 1990

    You meet the minimum active-duty service requirement if you served for: 

    • At least 24 continuous months, or
    • The full period (at least 181 days) for which you were called to active duty, or
    • At least 181 days if you were discharged for a hardship, or a reduction in force, or
    • Less than 181 days if you were discharged for a service-connected disability

    Between Oct 17, 1981 and August 1, 1990 as an Officer

    You meet the minimum active-duty service requirement if you served for: 

    • At least 24 continuous months, or
    • The full period (at least 181 days) for which you were called to active duty, or
    • At least 181 days if you were discharged for a hardship, or a reduction in force, or
    • Less than 181 days if you were discharged for a service-connected disability

    Between May 8, 1975 and Sept 7, 1980 (post Vietnam era)

    You meet the minimum active-duty service requirement if you served for: 

    • 181 continuous days, or
    • Less than 181 days if you were discharged for a service-connected disability

    Between May 8, 1975 and October 16, 1981, as an Officer

    You meet the minimum active-duty service requirement if you served for: 

    • 181 continuous days, or
    • Less than 181 days if you were discharged for a service-connected disability

    Between August 5, 1964 and May 7, 1975 (Vietnam War)

    You meet the minimum active-duty service requirement if you served for: 

    • At least 90 total days, or
    • Less than 90 days if you were discharged for a service-connected disability

    Between November 1, 1955 and May 7, 1975, in the Republic of Vietnam

    You meet the minimum active-duty service requirement if you served for: 

    • At least 90 total days, or
    • Less than 90 days if you were discharged for a service-connected disability

    Between February 1, 1955 and August 4, 1964 (post Korean War)

    You meet the minimum active-duty service requirement if you served for: 

    • At least 181 total days, or
    • Less than 181 days if you were discharged for a service-connected disability

    Between June 27, 1950 and January 31, 1955 (Korean War)

    You meet the minimum active-duty service requirement if you served for: 

    • At least 90 total days, or
    • Less than 90 days if you were discharged for a service-connected disability

    Between July 26, 1947 and June 26, 1950 (post WWII period)

    You meet the minimum active-duty service requirement if you served for: 

    • At least 181 continuous days, or
    • Less than 181 days if you were discharged for a service-connected disability

    Between September 16, 1940 and July 25, 1947 (WWII)

    You meet the minimum active-duty service requirement if you served for: 

    • At least 90 total days, or
    • Less than 90 days if you were discharged for a service-connected disability

     


    NATIONAL GUARD MEMBERS

    When did you serve?

    Between August 2, 1990 and present (Gulf War period to present)

    If you’ve served for at least 90 days of active duty, you meet the minimum service requirement.

    Any Other Time period

    If you’ve served for at least 90 days of active duty, you meet the minimum service requirement.

     


    RESERVES

    When did you serve?

    Between August 2, 1990 and the present (Gulf War to present)

    If you served for at least 90 days of active duty, you meet the minimum service requirement.

    Any Other Period

    You meet the minimum active-duty service requirement if you served for: 

    • At least 90 days of non-training active-duty service, or
    • 6 creditable years in the Selected Reserve 

    And at least one of these must be true:

    • You were discharged honorably, or
    • You were placed on the retired list, or
    • You were transferred to the Standby Reserve or an element of the Ready Reserve other than the Selected Reserve after service characterized as honorable, or
    • You continue to serve in the Selected Reserve