Who is eligible?
Any member of the armed forces who served active duty anywhere from 90 total days or 181 continuous days depending upon the war time served. It’s also available to members who were not active duty but served a minimum of 24 months. Also any current active soldier who has served a minimum of 90 days is eligible.
Also those enlisted in the National Guard who were not called up for active duty are also eligible for a VA loan. Requirements are:
Six years of service in the Selected Reserve or National Guard, AND
• Were discharged honorably, OR
• Were placed on the retired list, OR
• Were transferred to the Standby Reserve or an element of the Ready Reserve other than the Selected Reserve after service characterized as honorable, OR
• Continue to serve in the Selected Reserve Spouses
The spouse of a Veteran can also apply for home loan eligibility under one of the following conditions:
• Unremarried spouse of a Veteran who died while in service or from a service connected disability, or
• Spouse of a Servicemember missing in action or a prisoner of war
• Surviving spouse who remarries on or after attaining age 57, and on or after December 16, 2003
(Note: a surviving spouse who remarried before December 16, 2003, and on or after attaining age 57, must have applied no later than December 15, 2004, to establish home loan eligibility. VA must deny applications from surviving spouses who remarried before December 6, 2003 that are received after December 15, 2004.)
• Surviving Spouses of certain totally disabled veterans whose disability may not have been the cause of death