Understanding your VA Loan eligibility is the first step towards unlocking your home ownership benefits. This guide provides detailed information on service requirements, discharge criteria, and how to verify your eligibility.
At Novum Home Loans, we’re committed to serving those who’ve served our nation. We understand that VA loans offer a valuable pathway to home ownership for Veterans and military families. However, navigating the eligibility requirements can sometimes seem daunting.
That’s why we’ve created this comprehensive guide – to provide clarity and support as you explore your options. Whether you’re an active-duty service member, a Veteran, or a spouse, this guide will provide the information you need to determine your VA Loan eligibility. We believe in empowering you with knowledge, so you can take confident steps toward securing your future.
To be generally eligible for a VA Loan, you typically must meet certain minimum service requirements. These requirements are designed to recognize the commitment and sacrifice of our service members. In most cases, you’ll meet the service requirement if one of these applies to you:
In addition to meeting the minimum service requirements, your discharge status is also a factor in determining VA Loan eligibility. Generally, you must have been discharged under conditions other than dishonorable. However, there are some exceptions. You may still be eligible if:
The primary way to verify your VA loan eligibility is by obtaining a Certificate of Eligibility (COE). There are three main ways to get your COE:
Surviving spouses of service members who died in the line of duty or from a service-related disability may also be eligible for a VA Loan. To verify eligibility, surviving spouses will typically need to provide the VA with documentation such as:
The VA will review the documentation to determine eligibility for the surviving spouse benefit.
Once you’ve determined your eligibility and obtained your COE, you can begin the VA loan application process. Here’s a general overview:
At Novum Home Loans, we’re here to support you throughout every step of the VA Loan process. We’re dedicated to serving those who have served, and we’re committed to helping you achieve your home ownership goals.
Give us a call at (918) 921-5272 or connect with a Loan Officer.
We’re here to guide you – click below to see more resources for Veterans.
(210) 794-9511
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Equal Housing Opportunity. Other limitations may apply. Novum Home Loans LLC D/B/A Novum Home Loans. NMLS #2487386. NMLS Consumer Access. Licensed in VA (MC-8089), GA (2487386), FL, CO, MD, OK (OK MB016151), AR (2487386), TX, and CA (60DBO-210614)| For information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval.
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