To obtain a COE (Certificate of Eligibility), you must have been discharged under conditions (other than dishonorable) and meet the service requirements below:
Status | Qualifying Wartime & Peacetime Periods | Qualifying Active Duty Dates | Minimum Active Duty Service Requirement |
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Veteran | |||
*2/28/1961 - 5/7/1975 |
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*5/8/1975 - 10/16/1981 |
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*10/17/1981 - 8/1/1990 |
(or) The Full Period (at least 181 days) for which you were called or ordered to active duty |
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(or) The Full Period (at least 181 days) for which you were called or ordered to active duty |
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Currently On Active Duty | |||
National Guard & Reserve Member | |||
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What if I don't meet the minimum service requirements? |
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You may still be eligible for a VA Home Loan if you were discharged due to hardship |
You may still be eligible for a VA Home Loan if you were discharged due to the convenience of the government |
You may still be eligible for a VA Home Loan if you were discharged due to reduction-in-force |
You may still be eligible for a VA Home Loan if you were discharged due to certain medical conditions |
You may still be eligible for a VA Home Loan if you were discharged due to a service-connected disability |
Can a spouse of a Veteran apply for a VA Home Loan? |
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You may still be eligible for a VA Home Loan if you are an Unremarried spouse of a Veteran who died while in service or from a service connected disability |
You may still be eligible for a VA Home Loan if you are the spouse of a Service member missing in action or a prisoner of war |
You may still be eligible for a VA Home Loan if you are a surviving spouse who remarries on or after attaining age 57 (Note: You must have been married on or after December 16, 2003) |
You may still be eligible for a VA Home Loan if you are a surviving Spouses of certain totally disabled veterans whose disability may not have been the cause of death |
Are there any other people that can apply for a VA Home Loan? |
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Certain U.S. citizens who served in the armed forces of a government allied with the United States in World War II can apply for a VA Home Loan |
Individuals with service as members in certain organizations, such as:
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Can a veteran have a previously-used entitlement"restored" to purchase another home with a VA loan? |
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You can have your previously-used VA Home Loan entitlement restored if the property purchased with the prior VA loan has been sold and the loan is paid in full |
You can have your previously-used VA Home Loan entitlement restored (one time only) if the veteran has repaid the prior VA loan in full but still owns the property purchased with the prior VA loan |
You can have your previously-used VA Home Loan entitlement restored if a qualified Veteran buyer (a.k.a. transferee) agrees to assume the VA loan and substitute their entitlement for the same amount of entitlement originally used by the Veteran seller. |
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