How Do I Check My VA Home Loan Eligibility
How Do I Check My VA Home Loan Eligibility

How Do I Check My VA Home Loan Eligibility?


Welcome to our guide on checking your VA home loan eligibility. If you’re a veteran or an active-duty service member, the VA home loan program can be a great option for buying or refinancing a home. This article will walk you through the process of determining your eligibility and provide answers to frequently asked questions. Let’s get started!

Understanding VA Home Loan Eligibility

Before you begin the application process, it’s essential to determine if you meet the eligibility requirements. Here’s what you need to know:

  • Service Requirements: To be eligible for a VA home loan, you must have served a specific period of time in the military, usually 90 consecutive days during wartime or 181 days during peacetime.
  • Discharge Requirements: Generally, you must have been discharged under conditions other than dishonorable to qualify for a VA loan. However, there are exceptions for certain circumstances, such as medical discharges.
  • Loan Entitlement: Your entitlement is the amount the VA will guarantee on your home loan. To determine your entitlement, you’ll need to provide your Certificate of Eligibility (COE) or have your lender request it on your behalf.

Determining Your Eligibility

Now that you have a basic understanding of the requirements, let’s explore how to check your VA home loan eligibility:

  1. Obtain Your Certificate of Eligibility (COE): The COE is an official document that verifies your eligibility for a VA loan. You can apply for it online through the VA’s eBenefits portal, or your lender can assist you with the process.
  2. Utilize VA-approved Lenders: Working with a VA-approved lender is crucial. They have experience with the VA loan program and can help you determine your eligibility and guide you through the application process.
  3. Explore Your Service Record: If you’re unsure about your eligibility, reviewing your service record can provide valuable information. You can request your DD Form 214, which includes details about your military service, through the National Archives.

FAQs about VA Home Loan Eligibility

1. Can I use my VA loan eligibility more than once?

Yes, in most cases, your VA loan eligibility is reusable. As long as you pay off the previous loan and meet the eligibility requirements, you can use your VA home loan benefit multiple times.

2. Are surviving spouses eligible for VA home loans?

Yes, surviving spouses of veterans who died in the line of duty or as a result of a service-related disability may be eligible for VA home loans. The VA provides specific guidelines for determining eligibility in these cases.

3. Can I transfer my VA loan eligibility to someone else?

No, VA loan eligibility is generally non-transferable. However, there are exceptions for certain circumstances, such as when a surviving spouse obtains a VA loan using the deceased veteran’s entitlement.

4. What credit score do I need to qualify for a VA loan?

The VA doesn’t set a minimum credit score requirement for VA loans. However, most lenders will have their own credit score standards. It’s generally recommended to have a credit score of at least 620 for better chances of approval.

5. Can I use my VA loan to buy investment properties?

No, the primary purpose of a VA loan is to help veterans and service members purchase their primary residence. VA loans cannot be used to buy investment properties or vacation homes.

6. Can I use a VA loan to refinance my current mortgage?

Yes, the VA offers several refinancing options, such as the Interest Rate Reduction Refinance Loan (IRRRL) and the Cash-Out Refinance. These programs allow eligible borrowers to refinance their existing VA or non-VA loan into a VA-backed loan.

7. Are there any income requirements for VA home loans?

The VA doesn’t have specific income requirements, but lenders will evaluate your income to determine your ability to repay the loan. They will consider factors such as your stable employment and debt-to-income ratio.

8. Can I use a VA loan to build a new home?

Yes, the VA offers construction loan options for eligible borrowers who want to build a new home. These loans provide financing for both the purchase of the land and the construction of the property.

9. Can I get a VA loan if I have had a foreclosure or bankruptcy in the past?

Having a foreclosure or bankruptcy in your past doesn’t automatically disqualify you from obtaining a VA loan. Lenders will review your overall credit history and consider factors such as reestablished credit and a solid payment history since the negative event.

10. Are VA loans assumable?

Yes, VA loans are assumable, which means that if you decide to sell your home, a qualified buyer can assume your existing VA loan. This feature can be beneficial if the interest rates are lower than the current market rates.


Checking your VA home loan eligibility is an important step in the homebuying process. By understanding the requirements and gathering the necessary documents, you can determine if you qualify for this valuable benefit. Remember, working with a knowledgeable lender who specializes in VA loans can provide guidance and support throughout the application process. If you have any further questions, don’t hesitate to reach out to your lender or the VA for assistance. Good luck with your VA home loan journey!

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