VA Loan Eligibility: Check If You Qualify
Most veterans qualify — but the fastest way to know is a quick eligibility review. Submit the secure request below and we’ll confirm your COE path, occupancy, and best next steps.
Quick Eligibility Checklist
If these are true, you’re usually on the right track:
Veteran, active-duty, certain Guard/Reserve, or eligible surviving spouse.
You plan to live in the home as your primary residence (occupancy required).
You can obtain a Certificate of Eligibility (we can pull it in many cases).
Credit overlays vary — we look at the whole picture and map the best path.
What is a COE?
Your COE (Certificate of Eligibility) proves to the lender that you meet VA service eligibility requirements. We can help request it and verify entitlement.
Common Reasons People Get Stuck
- Unsure which service category applies (Guard/Reserve rules)
- Confusion about entitlement (first-time vs. restoration)
- Not clear on occupancy requirements
- Credit questions (we’ll guide the fastest path)
Note: VA publishes service-based eligibility standards; lenders may apply additional guidelines. We’ll confirm your best route.
What Happens After You Submit
Service category + COE path + entitlement basics.
Purchase, IRRRL, or cash-out — aligned with your goal.
So you move faster and avoid underwriting delays.
VA Loan Eligibility FAQs
Does the VA require a minimum credit score?
What is a COE and how do I get it?
Do I have to live in the home?
Can I use a VA loan more than once?
How fast will you contact me?
Disclosures: NMLS #213875 • Terms depend on credit, income, assets, property and market conditions. Subject to underwriting approval. Not a commitment to lend. Equal Housing Lender.