VA Loan Requirements

VA loans offer excellent benefits, and qualifying is often more accessible than buyers expect. Here's a general overview of what's typically required.

Service Eligibility

VA loans are available to eligible active-duty service members, veterans, National Guard and Reserve members, and some surviving spouses, based on length and type of service.

Certificate of Eligibility

You'll need a Certificate of Eligibility, or COE, to confirm your VA benefit. Your lender can usually help you obtain it quickly.

Credit and Income

The VA doesn't set a strict minimum credit score, though lenders have their own guidelines. You'll also need to show stable, sufficient income for the payment.

Primary Residence and Property Standards

VA loans are for primary residences, and the home must meet the VA's minimum property requirements, confirmed by a VA appraisal.

Let's Confirm Your Eligibility

As your REALTOR, I can connect you with VA-savvy lenders to confirm your benefit and get you moving. Reach out and we'll take the next step together.