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VA Eligibility Information


General Rule for Eligibility
A Veteran is eligible for VA loan benefits if he or she served on active duty in the Army, Navy, Air Force, Marie Corps, or Coast Guard after September 15, 1940, and was discharged under conditions other than dishonorable after either:
*90 days or more, any party of which occurred during wartime, or
*181 continuous days or more (peacetime).

2-year Requirement: A greater length of service is required for Veterans who

*enlisted (and service began) after September 7, 1980, or

*entered service as an officer after October 16, 1981.

These Veterans must have completed either:

*24 continuous months of active duty, or

*the full period for which called or ordered to active duty, but not less than 90 days (any part during wartime) or 181 continuous days (peacetime).

Note: Cases involving other than honorable discharge usually require further development by VA. This is necessary to determine if the service was under other than dishonorable conditions.

Eligibility for Reserves and/or Guard

Members of the Reserves and National Guard who are not otherwise eligible for loan guaranty benefits are eligible upon completion of 6 years service in the Reserves or Guard (unless released earlier due to a service-connected disability). The applicant must have received an honorable (a general or under honorable conditions is not qualifying) discharge from such service unless he or she is either:

*is an inactive status awaiting final discharge, or

*still serving in the Reserves or Guard.

Eligibility of Spouses and Veterans

Some spouses of Veterans may have home loan eligibility. They are:

*the unmarried surviving spouse of a Veteran who died as a result of service or service-connected causes.

*the surviving spouse of a Veteran who dies on active duty or from service-connected causes, who remarries on or after age 57 and on or after December 16, 2003, and

*the spouse of an active duty member who is listed as a MIA or a POW for at least 90 days. Eligibility under this MIA/POW provision is limited to one-time use only.

Miscellaneous Eligibility

Congress has periodically granted Veteran status to members of other groups. There are various exceptions made to the length of time requirements.