Applications involving other than honorable discharges will usually require further development by VA. This is necessary to determine if the service was under other than dishonorable conditions.
To be eligible for a VA Loan, veterans, active duty service members, National Guard members and reservists must meet the basic service requirements set forth by the Department of Veterans Affairs. Spouses of military members who died while on active duty or as a result of a service-connected disability may also be eligible.
It’s ultimately up to the VA to determine eligibility for the home loan program, but prospective borrowers can get a good idea by looking at the VA’s basic eligibility guidelines.
You may be eligible for a VA Home Loan if you meet one or more of the following conditions:
You have served 90 consecutive days of active service during wartime,
You have served 181 days of active service during peacetime,
You have more than 6 years of service in the National Guard or Reserves,
You are the spouse of a service member who has died in the line of duty or as a result of a service-related disability.
How to Apply for a VA Loan Certificate of Eligibility (COE)
While you don’t need your VA Certificate of Eligibility in hand to start the loan process with Veterans Of America Mortgage, this certificate is a very important part of your loan application. Your COE verifies that your length and character of service make you eligible to use the VA home loan benefit.
You can apply for a VA Loan Certificate of Eligibility three different ways:
1. Apply through a VA approved lender
2. Apply online through the VA’s eBenefits portal
3. Apply by mail with VA Form 26-1880
You can ask your Veterans Of America Mortgage Loan Team to obtain your COE on your behalf. Speak with a VA Loan Specialist to get your COE today. The process takes minutes to complete with proof of your military service and ensures your home financing moves forward without delays.
If you prefer to do the work yourself, VA Loan applicants can contact the Veterans Administration directly and fill out a Certificate of Eligibility (VA Form 26-1880).