VA Home Loans
|Step 1: Certificate of Eligibility|
The first step toward getting a VA loan is to have the VA confirm your eligibility. File a Request for a Certificate of Eligibility form (VA Form 26-1880) with the VA, and it will confirm if you are eligible. Joe can help you complete the form and file it for you.
You are eligible for a VA loan if you are in one of seven categories.
War—90 DaysTwo ways to be eligible in this category:
- You served 90 days in World War II, the Korean War or the Vietnam War.
You served in the Gulf War (Iraq or Afghanistan) for the full period of your call-up (at least 90 days).
You served 181 active duty days during peacetime.
Since Aug. 2, 1990—2 Years
You served two years of continuous active duty. If you served in the Gulf War (Iraq or Afghanistan) during this time, see Category 1: War—90 Days.
Selected Reserves or National Guard—6 Years
You served six years in either of these services.
Active Duty—181 Days
You have served 181 days of regular active duty.
SpousesTwo ways to be eligible in this category:
- You are the spouse of a veteran who died while in the service or who died from a service-connected disability, and you have not remarried.
- You are the spouse of a servicemember who is missing in action or is a prisoner of war.
Other ServiceTwo ways to be eligible in this category:
- You are a U.S. citizen who served in an Allied armed force during World War II.
- You have service in any of several other organizations, including:
- Officer in the Public Health Service
- Cadet at a military-service academy
- Officer in the National Oceanic and Atmospheric Administration
- Merchant seaman with World War II service.