If you served active duty in World War II, the Korean War, the Vietnam War or were a National Guard member or Reservist activated during the Persian Gulf Conflict and served at least 90 days before being honorably or generally discharged, you are eligible for a VA home loan. If you served during peacetime before 1980 you must have had more than 180 days of active service. If you served after 1980, you may have had to serve as much as two years to be eligible.
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If you have already used a VA home loan, you may have a remaining entitlement. This means there is up $36,000 that you can still borrow to use in purchasing a home.
There are four steps to obtaining your VA home loan:
- Apply for and receive your certificate of eligibility
- Have your new home appraised by a VA picked appraiser
- Fill out a lender’s loan application · Close your new loan
VA home loans, like FHA loans, are insured by the federal government through the Veterans Administration, allowing eligible men and women who served in the military to take advantage of low interest rates and little to no down payments on loans. Apply online today to contact up to four lenders about your VA home loan.