To get a VA home loan, you must first get one VA Home Loan Certificate of Eligibility (COE). This certificate is only issued through the Veterans Administration. Veterans, active duty, guards and reserve members, and military husbands all may be eligible for this certificate. Please note that, while necessary, the COE only allows an eligible person to apply for a home loan; it does not guarantee approval of the loan.
Eligibility for the COE is based on a person’s (or spouse’s) military service. First, check your eligibility based on the main categories below. If you are follow these instructions to get your COE
1. Wartime – Service during:
- WWII: 9/16/1940 to 7/25/1947
- Korean: 6/27/1950 to 1/31/1955
- Vietnam: 8/5/1964 to 5/7/1975
You must have been on active duty for at least 90 days and been discharged under circumstances other than “dishonorable”. If you have served less than 90 days, you may be eligible if you were fired for a service-related disability.
2. Peacetime – Service during periods:
- 26/07/1947 to 26/06/1950
- 1/2/1955 to 8/4/1964
- 1975-05-08 to 07/09/1980 (recruited)
- 1975/05 to 16/10/1981 (Officer)
You must have served at least 181 consecutive days of active duty and been discharged in circumstances other than dishonorable. If you have served less than 181 days, you may qualify if you were fired from an affiliate service incompetence
3. Service after 9/7/1980 (in service) or 10/16/1981 (officer)
If you were separated from the service that started after these dates, you must have:
- Have completed 24 months of continuous active duty or the entire period (at least 181 days) for which you were ordered or called up to active duty and were discharged in circumstances other than dishonorable, or
- Completed at least 181 days of active duty and discharged under the specific authority of 10 USC 1173 (Hardship), or 10 USC 1171 (Early Out), or were determined to have a compensable service-related disability;
- Fired with less than 181 days of duty due to a service-related disability. You may also be eligible if you have been fired from active duty due to an involuntary reduction in power, certain medical conditions, or, in some cases, for the convenience of the government.
4. Gulf War – Service during 2-8-1990 to date to be defined
If you served on active duty during the Gulf War, you must have:
- Have completed 24 months of continuous active duty or the entire period (at least 90 days) for which you were drafted or sentenced to active duty, and were discharged in circumstances other than dishonorable, or
- Have completed at least 90 days of active duty and have been discharged under the specific authority of 10 USC 1173 (Hardship) or 10 USC 1173 (Early Out), or have been determined to have a compensable service-related disability, or
- Fired with less than 90 days of service due to a service-related disability. You may also qualify if you have been fired from active duty as a result of an involuntary reduction in power, certain medical conditions, or, in some cases, for the convenience of the government.
5. Maintenance personnel on active duty
If you are now on regular duty (no active duty for training), you will be eligible after serving 181 days (90 days during the Gulf War) unless you are discharged or separated from a previous qualifying period of active duty.
If you don’t otherwise qualify for a VA loan under the above main categories, you may still qualify if you fall under one of these categories:
Selected reserves or national guard
You must have completed 90 days of Title 10 or Title 32 active duty. For Title 32 service to count, at least 30 services must have been active consecutively.
Or you must have been in the selected reserves or national guard for a total of 6 years (member of an active unit, completed mandatory weekend drills and 2 weeks of active training for training) and:
- Were fired with an honorable discharge, or
- Were placed on the retired list, or
- Have been transferred to the Standby Reserve or part of the Ready Reserve other than the Selected Reserve after service marked as honorable service, or
- Continue to serve in the selected reserves
If you have completed less than 6 years of service, you may qualify if you are fired for a service-related disability.
You may also qualify if you have
- Be an un-remarried spouse of a veteran who died while on duty or from a service-related disability, or
- Are you a spouse of a missing service member or are you a prisoner of war?
NoteIf you are a surviving spouse, you may also qualify for VA loan benefits. Read the article VA loan eligibility expands for surviving spouses for more details.
Eligibility can also be determined for
- Certain U.S. citizens who served in the armed forces of a government allied with the United States in WWII.
- Persons serving as members of certain organizations, such as officers of the Municipal Health Service, cadets in the United States Military, Air Force or Coast Guard Academy, midshipmen at the United States Naval Academy, officers of the National Oceanic & Atmospheric Administration, merchant seaman with WW II service and others.
To learn more about VA loan eligibility, see the related articles below. Once you’ve determined your eligibility and received your Certificate of Eligibility, it’s time to move on to the next step: see if you qualify – there are no obligations and you will receive various offers from competing lenders.
Related articles on VA loan eligibility:
© Copyright 2021 Military.com. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.
More Tags We LoveBad Credit Mortgage Repayment Calculator Credit Reporting Services Llc Debt Support System Does Travel Insurance Cover Covid Quarantine Does Usaa Have The Best Mortgage Rates Freedom debt relief program How To Determine Bad Debt Expense For The Year Is Admiral Good For Home Insurance Is discover card Video Conference Software Means