Active duty military, veterans, surviving spouses, and in some instances civilians are eligible for a VA loan. VA loans have requirements the veteran must fulfill before they can be considered eligible.
- FOR NATIONAL GUARD and SERVICE MEMBERS: Those serving in the National Guard or in the Reserves have a minimum six year duty requirement. The six years must be completed before the service member can apply for a VA loan. Individuals who completed less than 6 years may be eligible if discharged for a service-connected disability.
- FOR ACTIVE DUTY: If you are now on regular duty (not active duty for training), you are eligible after having served 181 days (90 days during the Gulf War) unless discharged or separated from a previous qualifying period of active duty service.
- FOR RETIRED VETERANS: Those who are retired veterans you must have served at least 181 days (90 days during the Gulf War) of active duty, and must have an honorable discharge. If you served less than 90 days, you may be eligible if discharged for a service connected disability.
- FOR SPOUSES: You may be eligible if you are a surviving spouse who remarries on or after attaining age 57, and on or after December 16, 2003. You may also be determined eligible if you are a spouse of a veteran who died while in service or from a service connected disability, who has not remarried.