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Millions of veterans and active military members have earned VA home loan benefits. Only the VA can tell you for sure whether you’re eligible, but you can get a good idea after looking at some general guidelines.
You may be eligible for a VA home loan if your service falls within any of the following categories:
You must have served at least 90 days on active duty and been discharged or released under other than dishonorable conditions. If you served less than 90 days, you may be eligible if discharged because of a service-connected disability.
If your service fell entirely within any one of the following periods:
You must have served at least 181 days of continuous active duty and been discharged or released under conditions other than dishonorable. If you served less than 181 days, you may be eligible if discharged because of a service-connected disability.
If your entire period of service was between 9/7/80 (10/16/81) and 8/1/90, you must have:
Note: During the Persian Gulf War, the foregoing exceptions to the 2-year requirement apply, except that 90 days of active duty is sufficient in lieu of 181 days.
If you are now on active duty, you are eligible after having served on continuous active status for at least 90 days. When an ending date is established for Persian Gulf War service, a minimum of 181 days of continuous active duty will be required for persons who did not have wartime service.
Individuals who are not otherwise eligible and who have completed at least 6 years in the Reserves or National Guard, or been discharged because of a service-connected disability, and (1) have been discharged under honorable conditions, or (2) have been placed on the retired list, or (3) have been transferred to an element of the Ready Reserve other than the Selected Reserve, or (4) continue to serve in the Selected Reserve are eligible for a GI loan. (Eligibility for members of the Selected Reserve expires September 30, 2007.)
Take the guesswork out of finding a VA Loan provider. Veterans United Home Loans created this site to educate and empower military homebuyers. Regardless of what lender you pick, it's always a good idea to compare and know your options.