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VA Home Loan Eligibility & Requirements



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It is simple to get a VA loan or refinance through VALoanProgram.com.

To qualify for VA programs and services including home loans and refinancing you must currently be serving in the United States military or be an honorably discharged. In addition, surviving spouses and members of the Reserves or National Guard can also obtain VA Loans. VA loan eligibility provides a wide range of advantages not available through conventional mortgage loans and programs.

The following is a list of the basic VA home loan qualifications. For a complete list please visit the VA’s General Rules for Eligibility or Frequently Asked Eligibility Questions.


  • Certificate of Eligibility (COE): This is proof of your service and eligibility for a VA Loan. You must obtain a COE during the pre-qualification process. To receive your COE from the VA you must complete VA Form 26-1880, shown on the right. We  can help you secure a COE.
  • You must live in the home as your primary residence.
  • Credit Score and History
  • Current Income
  • Other Debts and Liens
  • Past Bankruptcies
  • and other items that all mortgage borrowers must verify.
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