VA Loan Eligibility

VA Loan Eligibility
What was your service type?*

Currently Active DutyActive Duty VeteranReserves / Reserves VeteranNational Guard / National Guard Veteran

If you’ve served for at least 90 continuous days (all at once, without a break in service), you meet the minimum active-duty service requirement.

When did you serve in the reserves?

Between August 2, 1990 and the present (Gulf War period to present)Any other time period

Between August 2, 1990 and the present (Gulf War period to present)

You meet the minimum active-duty service requirement if you served for:
- At least 24 continuous months
- The full period (at least 90 days) for which you were called or ordered to active duty, or
- At least 90 days if you were discharged for a hardship, or a reduction in force, or
- Less than 90 days if you were discharged for a service-connected disability
If you meet the eligibility requirements and would like to start the process please click HERE!

What if I don’t meet the minimum service requirements?

You may still be able to get your certificate of eligibility if you were discharged for one of the reasons listed.

You must have been discharged for one of these reasons:
- Hardship
- The convenience of the government (you must have served at least 20 months of a two-year enlistment)
- Early out (you must have served 21 months of a two-year enlistment)
- Reduction in force
- Certain medical conditions
- A service-connected disability (a disability related to your military service)
If you meet the eligibility requirements and would like to start the process please click HERE!
Between September 8, 1980, and August 1, 1990

You meet the minimum active-duty service requirement if you served for:
- At least 24 continuous months, or
- The full period (at least 181 days) for which you were called to active duty, or
- At least 181 days if you were discharged for a hardship, or a reduction in force, or
- Less than 181 days if you were discharged for a service-connected disability
If you meet the eligibility requirements and would like to start the process please click HERE!

What if I don’t meet the minimum service requirements?

You may still be able to get your certificate of eligibility if you were discharged for one of the reasons listed.

You must have been discharged for one of these reasons:
- Hardship
- The convenience of the government (you must have served at least 20 months of a two-year enlistment)
- Early out (you must have served 21 months of a two year enlistment)
- Reduction in force
- Certain medical conditions
- A service-connected disability (a disability related to your military service)
If you meet the eligibility requirements and would like to start the process please click HERE!
Between October 17, 1981, and August 1, 1990, as an officer

You meet the minimum active-duty service requirement if you served for:
- At least 24 continuous months, or
- The full period (at least 181 days) for which you were called to active duty, or
- At least 181 days if you were discharged for a hardship, or a reduction in force, or
- Less than 181 days if you were discharged for a service-connected disability
If you meet the eligibility requirements and would like to start the process please click HERE!

What if I don’t meet the minimum service requirements?

You may still be able to get your certificate of eligibility if you were discharged for one of the reasons listed.

You must have been discharged for one of these reasons:
- Hardship
- The convenience of the government (you must have served at least 20 months of a two-year enlistment)
- Early out (you must have served 21 months of a two year enlistment)
- Reduction in force
- Certain medical conditions
- A service-connected disability (a disability related to your military service)
If you meet the eligibility requirements and would like to start the process please click HERE!
Between May 8, 1975, and September 7, 1980 (post-Vietnam War period)

You meet the minimum active-duty service requirement if you served for:
- 181 continuous days, or
- Less than 181 days if you were discharged for a service-connected disability
If you meet the eligibility requirements and would like to start the process please click HERE"

What if I don’t meet the minimum service requirements?

You may still be able to get your certificate of eligibility if you were discharged for one of the reasons listed.

You must have been discharged for one of these reasons:
- Hardship
- The convenience of the government (you must have served at least 20 months of a two-year enlistment)
- Early out (you must have served 21 months of a two year enlistment)
- Reduction in force
- Certain medical conditions
- A service-connected disability (a disability related to your military service)
If you meet the eligibility requirements and would like to start the process please click HERE!
Between May 8, 1975, and October 16, 1981, as an officer

You meet the minimum active-duty service requirement if you served for:
- 181 continuous days, or
- Less than 181 days if you were discharged for a service-connected disability
If you meet the eligibility requirements and would like to start the process please click HERE!

What if I don’t meet the minimum service requirements?

You may still be able to get your certificate of eligibility if you were discharged for one of the reasons listed.

You must have been discharged for one of these reasons:
- Hardship
- The convenience of the government (you must have served at least 20 months of a two-year enlistment)
- Early out (you must have served 21 months of a two year enlistment)
- Reduction in force
- Certain medical conditions
- A service-connected disability (a disability related to your military service)
If you meet the eligibility requirements and would like to start the process please click HERE!
Between August 5, 1964, and May 7, 1975 (Vietnam War)

You meet the minimum active-duty service requirement if you served for:
- At least 90 total days, or
- Less than 90 days if you were discharged for a service-connected disability
If you meet the eligibility requirements and would like to start the process please click HERE!

What if I don’t meet the minimum service requirements?

You may still be able to get your certificate of eligibility if you were discharged for one of the reasons listed.

You must have been discharged for one of these reasons:
- Hardship
- The convenience of the government (you must have served at least 20 months of a two-year enlistment)
- Early out (you must have served 21 months of a two year enlistment)
- Reduction in force
- Certain medical conditions
- A service-connected disability (a disability related to your military service)
If you meet the eligibility requirements and would like to start the process please click HERE!
Between November 1, 1955, and May 7, 1975, in the Republic of Vietnam

You meet the minimum active-duty service requirement if you served for:
- At least 90 total days, or
- Less than 90 days if you were discharged for a service-connected disability
If you meet the eligibility requirements and would like to start the process please click HERE!

What if I don’t meet the minimum service requirements?

You may still be able to get your certificate of eligibility if you were discharged for one of the reasons listed.

You must have been discharged for one of these reasons:
- Hardship
- The convenience of the government (you must have served at least 20 months of a two-year enlistment)
- Early out (you must have served 21 months of a two year enlistment)
- Reduction in force
- Certain medical conditions
- A service-connected disability (a disability related to your military service)
If you meet the eligibility requirements and would like to start the process please click HERE!
Between February 1, 1955, and August 4, 1964 (post-Korean War period)

You meet the minimum active-duty service requirement if you served for:
- At least 181 total days, or
- Less than 181 days if you were discharged for a service-connected disability
If you meet the eligibility requirements and would like to start the process please click HERE!

What if I don’t meet the minimum service requirements?

You may still be able to get your certificate of eligibility if you were discharged for one of the reasons listed.

You must have been discharged for one of these reasons:
- Hardship
- The convenience of the government (you must have served at least 20 months of a two-year enlistment)
- Early out (you must have served 21 months of a two year enlistment)
- Reduction in force
- Certain medical conditions
- A service-connected disability (a disability related to your military service)
If you meet the eligibility requirements and would like to start the process please click HERE!
Between June 27, 1950, and January 31, 1955 (Korean War)

You meet the minimum active-duty service requirement if you served for:
- At least 90 total days, or
- Less than 90 days if you were discharged for a service-connected disability
If you meet the eligibility requirements and would like to start the process please click HERE!

What if I don’t meet the minimum service requirements?

You may still be able to get your certificate of eligibility if you were discharged for one of the reasons listed.

You must have been discharged for one of these reasons:
- Hardship
- The convenience of the government (you must have served at least 20 months of a two-year enlistment)
- Early out (you must have served 21 months of a two year enlistment)
- Reduction in force
- Certain medical conditions
- A service-connected disability (a disability related to your military service)
If you meet the eligibility requirements and would like to start the process please click HERE!
Between July 26, 1947, and June 26, 1950 (post-WWII period)

You meet the minimum active-duty service requirement if you served for:
- At least 181 continuous days, or
- Less than 181 days if you were discharged for a service-connected disability
If you meet the eligibility requirements and would like to start the process please click HERE!

What if I don’t meet the minimum service requirements?

You may still be able to get your certificate of eligibility if you were discharged for one of the reasons listed.

You must have been discharged for one of these reasons:
- Hardship
- The convenience of the government (you must have served at least 20 months of a two-year enlistment)
- Early out (you must have served 21 months of a two year enlistment)
- Reduction in force
- Certain medical conditions
- A service-connected disability (a disability related to your military service)
If you meet the eligibility requirements and would like to start the process please click HERE!
Between September 16, 1940, and July 25, 1947 (WWII)

You meet the minimum active-duty service requirement if you served for:
- At least 90 total days, or
- Less than 90 days if you were discharged for a service-connected disability
If you meet the eligibility requirements and would like to start the process please click HERE!

What if I don’t meet the minimum service requirements?

You may still be able to get your certificate of eligibility if you were discharged for one of the reasons listed.

You must have been discharged for one of these reasons:
- Hardship
- The convenience of the government (you must have served at least 20 months of a two-year enlistment)
- Early out (you must have served 21 months of a two year enlistment)
- Reduction in force
- Certain medical conditions
- A service-connected disability (a disability related to your military service)
If you meet the eligibility requirements and would like to start the process please click HERE!
Any service dates (updated by VA Circular 26-21-08)

You meet the minimum active-duty service requirement if you served for:

Member must have performed not less than 90 cumulative days of full-time National Guard duty, of which, at least 30 of those days must have been consecutive.
NOTES: Full-time National Guard duty includes training or other duty in the member's status as a member of the National Guard of a State or territory, the Commonwealth of Puerto Rico, or the District of Columbia under 32 U.S.C. §§ 316, 502, 503, 504, or 505 for which the member is entitled to pay from the United States or for which the member has waived pay from the United States. Full-time National Guard duty does not include inactive duty, such as monthly drills. It also does not include basic or initial training.

If you meet the eligibility requirements and would like to start the process please click HERE!

What if I don’t meet the minimum service requirements?

You may still be able to get your certificate of eligibility if you were discharged for one of the reasons listed.

You must have been discharged for one of these reasons:
- Hardship
- The convenience of the government (you must have served at least 20 months of a two-year enlistment)
- Early out (you must have served 21 months of a two year enlistment)
- Reduction in force
- Certain medical conditions
- A service-connected disability (a disability related to your military service)
If you meet the eligibility requirements and would like to start the process please click HERE!
Between August 2, 1990, and the present (Gulf War period to present)

You meet the minimum active-duty service requirement if you served for:
- If you served for at least 90 days of active duty.
If you meet the eligibility requirements and would like to start the process please click HERE!

What if I don’t meet the minimum service requirements?

You may still be able to get your certificate of eligibility if you were discharged for one of the reasons listed.

You must have been discharged for one of these reasons:
- Hardship
- The convenience of the government (you must have served at least 20 months of a two-year enlistment)
- Early out (you must have served 21 months of a two year enlistment)
- Reduction in force
- Certain medical conditions
- A service-connected disability (a disability related to your military service)
If you meet the eligibility requirements and would like to start the process please click HERE!
Any other time period

You meet the minimum active-duty service requirement if you served for:
- At least 90 days of non-training active-duty service, or
- 6 creditable years in the Selected Reserve
And at least on of these must be true:
- You were discharged honorably, or
- You were placed on the retired list, or
- You were transferred to the Standby Reserve or an element of the Ready Reserve other than the Selected Reserve after service characterized as honorable, or
- You continue to serve in the Selected Reserve
If you meet the eligibility requirements and would like to start the process please click HERE!

What if I don’t meet the minimum service requirements?

You may still be able to get your certificate of eligibility if you were discharged for one of the reasons listed.

You must have been discharged for one of these reasons:
- Hardship
- The convenience of the government (you must have served at least 20 months of a two-year enlistment)
- Early out (you must have served 21 months of a two year enlistment)
- Reduction in force
- Certain medical conditions
- A service-connected disability (a disability related to your military service)
If you meet the eligibility requirements and would like to start the process please click HERE!
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