How Do I Check My VA Loan Eligibility?

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Are you a veteran or an active-duty service member considering a VA loan? One of the first steps in the process is determining your eligibility. VA loan eligibility ensures you meet the requirements to secure a loan that offers favorable terms and benefits. In this article, we will guide you through the process of checking your VA loan eligibility, providing you with the necessary information to make an informed decision.

Understanding VA Loan Eligibility

To qualify for a VA loan, you must meet certain criteria set by the Department of Veterans Affairs. The eligibility requirements vary depending on whether you are an active-duty service member, a veteran, or a surviving spouse. Let’s delve into these requirements:

Active-Duty Service Members

As an active-duty service member, you may be eligible for a VA loan if you have served a minimum period of 90 consecutive days during wartime or 181 days during peacetime. However, if you have served less than the minimum requirement, you may still be eligible if discharged due to a service-related disability.


Veterans who have completed their service with an honorable discharge are generally eligible for a VA loan. The minimum service requirement varies depending on the era in which you served. For example, if you served during peacetime, a minimum of 181 days is typically required. However, if you served during wartime, the minimum requirement is usually 90 consecutive days.

Surviving Spouses

Surviving spouses of veterans may also be eligible for a VA loan under certain circumstances. If your spouse passed away during service or as a result of a service-related disability, you may be eligible for VA loan benefits. Additionally, if you are the surviving spouse of a service member missing in action or a prisoner of war, you may qualify for VA loan eligibility.

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Steps to Check VA Loan Eligibility

Determining your VA loan eligibility involves a step-by-step process. Let’s walk through the necessary steps to ensure you meet the requirements:

  1. Gather Required Documents: Before checking your eligibility, gather the necessary documentation, such as your discharge papers (DD-214), marriage certificate (if applicable), and death certificate (for surviving spouses).

  2. Obtain Your Certificate of Eligibility (COE): The COE is a vital document that verifies your eligibility for a VA loan. You can apply for the COE through the VA’s eBenefits portal, by mail, or through your lender. Provide the required information, including your service history and personal details, to receive your COE.

  3. Visit the VA Loan Eligibility Center: The VA Loan Eligibility Center is a useful resource to determine your eligibility. The center provides detailed information and answers to frequently asked questions, ensuring you have all the necessary information before proceeding.

  4. Consult with a VA-Approved Lender: Reach out to a VA-approved lender who specializes in VA loans. They can review your documentation, guide you through the eligibility process, and provide personalized advice based on your circumstances.

  5. Assess Your Credit Score and Finances: While not a strict eligibility requirement, your credit score and financial status play a role in obtaining a VA loan. Consider reviewing your credit report, ensuring it is accurate and taking steps to improve your credit score if necessary.

  6. Evaluate Other Factors: Keep in mind that additional factors, such as debt-to-income ratio, previous foreclosures or bankruptcies, and other financial obligations, may impact your eligibility and loan approval. It’s essential to evaluate these factors to have a clear understanding of your overall financial situation.

Factors Affecting VA Loan Eligibility

Several factors can influence your VA loan eligibility. Understanding these factors will help you determine your chances of securing a VA loan:

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Credit Score Requirements

While the VA does not set a minimum credit score requirement, most VA lenders have their own credit score standards. A higher credit score generally improves your chances of loan approval and may result in more favorable loan terms. However, even with a less-than-perfect credit score, you may still be eligible for a VA loan.

Debt-to-Income Ratio

Lenders consider your debt-to-income ratio (DTI) when evaluating your eligibility for a VA loan. Your DTI is the percentage of your monthly income that goes towards debt payments. Generally, a lower DTI indicates less financial strain and increases your likelihood of loan approval.

Previous Foreclosures or Bankruptcies

Previous foreclosures or bankruptcies do not automatically disqualify you from VA loan eligibility. However, lenders may consider these factors when assessing your overall creditworthiness. It’s crucial to provide explanations or documentation if there were extenuating circumstances that led to these events.

Frequently Asked Questions (FAQs)

1. Can I use my VA loan eligibility more than once?

Yes, your VA loan eligibility can be used more than once, depending on certain factors. If you have paid off your previous VA loan in full and sold the property, your eligibility can be restored. Alternatively, you may be able to have multiple VA loans simultaneously if you meet specific requirements, such as having remaining entitlement.

2. Can I transfer my VA loan eligibility to someone else?

In most cases, VA loan eligibility is not transferrable. However, there are exceptions for surviving spouses who have not remarried and for active-duty service members who meet specific requirements. It’s best to consult with the VA or a VA-approved lender to understand your options.

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3. What if I have used a VA loan in the past?

If you have used a VA loan in the past, your previous loan will impact your remaining entitlement. This may affect the amount you can borrow for your next VA loan. However, if you have paid off your previous loan and sold the property, your eligibility can be restored, allowing you to utilize your full entitlement again.

4. Can I use my spouse’s military service for VA loan eligibility?

Yes, under certain circumstances, you may be able to use your spouse’s military service to establish VA loan eligibility. This applies to surviving spouses and spouses of veterans who are currently serving on active duty. The specific requirements and limitations can be discussed with a VA-approved lender.

5. What if I have a low credit score, can I still be eligible for a VA loan?

Having a low credit score does not automatically disqualify you from VA loan eligibility. The VA loan program is known for its flexibility, and lenders may consider other factors, such as income stability and debt-to-income ratio, when evaluating loan applications. It’s advisable to consult with a VA-approved lender who can provide guidance based on your unique circumstances.


Determining your VA loan eligibility is a crucial step in the homebuying process. By following the steps outlined in this article, gathering the necessary documents, and assessing your financial situation, you can ensure you meet the requirements for a VA loan. Remember, while eligibility is important, it’s equally essential to evaluate your financial readiness before committing to a loan. Take advantage of the benefits offered by the VA loan program and make an informed decision that aligns with your homeownership goals.

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