Who is Eligible for a VA Loan?

VA Eligibility

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How can I get my Certificate of Eligibility?

If you have never received your certificate or has misplaced it, you can order another one from the VA.  Order your Certificate of Eligibility today.

Who is Eligible?

You are eligible for VA home loan benefits if you served on active duty in the Army, Navy, Air Force, Marine Corps, or Coast Guard and were discharged under conditions other than dishonorable after either:

  • 90 days or more, any part of which occurred during wartime, OR
  • 181 continuous days or more (peacetime)
Two Year Service:

If you:

  • enlisted (and service began) after September 7, 1980, OR
  • were an officer and service began after October 16, 1981
You must have completed either:
  • 24 continuous months or more, OR
  • >
  • the full period for which ordered to active duty, but not less than 90 days (any part during wartime) or 181 continuous days (peacetime)

Wartime and Peacetime

Wartime and Peacetime, as used in the General Rule for Eligibility, refer to the following periods of time:
 

Wartime Peacetime
World War II
9/16/40 - 7/25/47
Post-World War II period
7/26/47 - 6/26/50
Korean conflict
6/27/50 - 1/31/55
Post-Korean period
2/1/55 - 8/4/64
Vietnam era
8/5/64* - 5/7/75
Post-Vietnam period
5/8/75 - 8/1/90
Persian Gulf War
8/2/90 - undetermined
 
* The Vietnam era begins 2/28/61 for individuals who served in the Republic of Vietnam


You may also be eligible if:

  • were discharged for a service-connected disability, or
  • were discharged for the convenience of the government after completing at least 20 months of a 2-year enlistment, or
  • completed not less than 90 days (any part during wartime) or 181 continuous days (peacetime), and
  •  
    • were discharged because of a hardship, or
    • were determined to have a service-connected compensable disability, or
    • were discharged or released from active duty for a medical condition which pre-existed service and has not been determined to be service-connected, or
    • received an involuntary discharge or release from active duty for the convenience of the Government as a result of a reduction in force, or
    • were discharged or released from active duty for a physical or mental condition not characterized as a disability and not the result of misconduct but which did interfere with your performance of duty
  • are an un-remarried spouse of a veteran who died while in service or from a service connected disability, or
  • are a spouse of a serviceperson missing in action or a prisoner of war.

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