Get Your mortgage rate Quote

VA Home Loan Eligibility Requirements To the men and women who have sacrificed their lives, and who selflessly give your time and energy: THANK YOU so much for your service and sacrifices to keep us all safe. We owe so much to you and your family for the sacrifices you have made.

Apply Online

To be eligible for a VA home loan, you or your spouse must meet the basic service requirements set by (VA) the Department of Veterans Affairs, have a valid Certificate of Eligibility (COE), and satisfy the lender's credit and income requirements.***Robinson Mortgage Group can often assist you with obtaining the Certificate of Eligibility (COE) electronically for a instant copy.

• There are many benefits to a VA Loan including the ability to buy with no down payment, as well as excellent refinance options.

Who Can Qualify for a VA Home Loan?

You or your spouse must meet at least one of the following VA requirements along with a honorable discharge:

• Served 90 consecutive days or more of active service during wartime
• Served 181 days or more of active service during peacetime
• Served more than 6 years with the National Guard or Reserves
• Are the spouse of a military member who lost their lives in the line of duty, or as the result of a service-related disability. You usually cannot have remarried.

Some spouses of Veterans may have Home Loan eligibility if they are the:

• Unmarried surviving spouse of a Veteran, who died as a result of service or service-connected causes.
• 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.
• Spouse of an active duty member who is listed as MIA or a POW for at least 90 days. Eligibility under this MIA/POW provision is limited to one-time use only.
• Surviving spouses of Veterans who died from non-service connected causes may also be eligible if certain conditions are met. (Please reach out to Robinson Mortgage Group for specifics).
• Surviving spouse who is eligible for or in receipt of certain types of Dependency Indemnity Compensation (DIC).