Our home loan specialists are standing by to help you take advantage of the benefits earned by your service.
Affordable Home Loans for Our Nation’s Veterans
Our home loan specialists are standing by to help you take advantage of the benefits earned by your service.
Who is eligible for a VA loan?
Generally the first step towards obtaining a VA loan is to obtain your Certificate of Eligibility.
Most Veterans already know if they are eligible for a VA loan. Be sure that you are ready to prove your eligibility to your lender before you enter into a sales contract. The first step is obtaining your Certificate of Eligibility. You can do this a couple different ways:
Contact your VA regional service center, or visit the VA’s official website at www.va.gov.
Obtain your Certificate of Eligibility through a reputable VA lender.
Those borrowers who previously obtained a VA loan can obtain another VA loan, as long as there was no foreclosure on the previous home, and the previous VA loan was paid in full.
With the help of a VA Lender, you can restore your Certificate of Eligibility quickly by providing a copy of the settlement statement from the previously owned home, showing that the home was sold or refinanced to a conventional loan.
The following are guidelines to qualify for a Certificate of Eligibility:
Active-duty Veterans discharged during WWII or later without “dishonorable” status
Active-duty Veterans with at least 90 consecutive days of service during major conflict
Peacetime Veterans and active duty personnel with at least 180 days of consecutive service
Enlisted Veterans who entered the military after 1980 or officers who entered the military after 1981 and who have served at least two years
Advantages for Military Homebuyers
The VA loan has many advantages that make it one of the most appealing paths to homeownership. This great benefit is reserved exclusively for those who bravely served our country, as well as select military spouses.
When combined, the benefits of the VA mortgage allow service members and Veterans to take advantage of substantial cost savings under qualification requirements designed specifically for members of the military and tailored to their unique needs.
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