Are you wondering how to determine if you qualify for a VA loan? VA loans are an incredible benefit for those who have served our country, offering competitive terms and no down payment. Below is a step-by-step guide to help you confirm your eligibility and get started on your VA loan journey.
1. Confirm Military Service Requirements
VA loan eligibility depends on your military service history. You may qualify if:
• Active Duty or Veterans: Served at least 90 days during wartime or 181 days during peacetime.
• National Guard or Reserves: Served at least 6 years or have at least 90 days of active service under Title 10.
• Surviving Spouse: You are the unmarried spouse of a service member who died in the line of duty or due to a service-connected disability.
Can we schedule 15 minutes to talk about your specific situation? If you don’t mind, please schedule a time that works for you here: http://bit.ly/3pWqxy7.
2. Obtain a Certificate of Eligibility (COE)
The Certificate of Eligibility (COE) is essential—it’s your proof that you meet the VA’s service requirements. Here’s how you can get it:
• Online: Use the VA’s eBenefits portal for a fast, secure application.
• Lender Assistance: Most VA-approved lenders can help you get your COE quickly and easily.
• Mail: Complete VA Form 26-1880 and send it to the VA Loan Eligibility Center.
If you need help obtaining your COE, let’s schedule a quick 15-minute call. Pick a time that works for you here: http://bit.ly/3pWqxy7.
3. Gather Necessary Documents
You’ll need specific documents to verify your service:
• DD-214 (Discharge Papers): For veterans and active-duty service members.
• Statement of Service: For active-duty personnel, this is provided by your commanding officer.
• NGB Form 22/23: For National Guard or Reserve members.
Don’t worry if you’re unsure which documents to gather—I can guide you through it. Feel free to schedule a time to talk here: http://bit.ly/3pWqxy7.
4. Check Specific Situations
• Surviving Spouses: Submit VA Form 26-1817 along with proof of dependency or benefits.
• Discharged or Transferred Members: Check with your Reserve or Guard unit to ensure you have the proper documentation.
If this applies to you, I’d love to chat and help simplify the process. You can schedule a quick call with me here: http://bit.ly/3pWqxy7.
5. Verify with a VA-Approved Lender
A lender specializing in VA loans can confirm your eligibility and guide you through the loan application process.
Still have questions or need guidance? Let’s schedule a 15-minute chat to go over your situation. Pick a time that works best for you here: http://bit.ly/3pWqxy7.
Taking the time to confirm your VA loan eligibility is the first step toward achieving your homeownership goals. If you’re ready to explore your options or need assistance with any part of the process, I’m here to help. Schedule a time to connect here: http://bit.ly/3pWqxy7.
