Along with the low finance rate, you also get more favorable terms.

  • No private mortgage insurance premium requirement.
  • No down payment as long as the sales price doesn’t exceed the appraised value.
  • Limits to the amount you can be charged for closing costs, and may be paid by the seller.

Membership required. On approved credit. Rates subject to change at any time.  Rates subject to change. For more information visit Account Information, Terms & Conditions,  Current Rates, and Fee Details.

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Eligibility Requirements for VA Home Loans

You must have satisfactory credit, sufficient income, and a valid Certificate of Eligibility (COE) to be eligible for a VA-guaranteed home loan. The home must be for your own personal occupancy. The eligibility requirements to obtain a COE are listed below for Service members and Veterans, spouses, and other eligible beneficiaries.

Service During Wartime

World War II - September 16, 1940 - July 25, 1947
Korean War - June 27, 1950 - January 31, 1955
Vietnam War - August 5, 1964 - May 7, 1975
Service Requirements:
  • At least 90 days active duty - with other than dishonorable discharge
  • Less than 90 days active duty - if discharged for a service-connected disability
Gulf War - August 2, 1990 - to be determined
Service Requirements:
  • 24 months continuous active-duty - with other than dishonorable discharge
  • At least 90 days or completed the full term that he or she was ordered to active duty with other than dishonorable discharge
  • At least 90 days active duty - and discharged for hardship, early out, convenience of the Government, reduction in force, condition interfered with duty or compensable service-connected disability
  • Less than 90 days active duty - if discharged for a service-connected disability

Service During Peacetime

All - July 26, 1947 - June 26, 1950 and February 1, 1955 - August 4, 1964
Enlisted - May 8, 1975 - September 7, 1980
Officers - May 8, 1975 - October 16, 1981
Service Requirements:
  • At least 181* days continuous active duty - with other than dishonorable discharge
  • Less than 181 days active duty - if discharged for a service-connected disability

If You Were Separated From Service

Enlisted - After September 7, 1980
Officers - After October 16, 1981
Service Requirements:
  • 24 months continuous active duty - with other than dishonorable discharge
  • At least 181 days or completed the full term that he or she was ordered to active duty with other than dishonorable discharge
  • At least 181 days active duty - and discharged for hardship, early out, convenience of the Government, reduction in force, condition interfered with duty or compensable service-connected disability
  • Less than 181 days active duty - if discharged for a service-connected disability
* 90 days applies for wartime

Active-Duty Service Personnel

If you are now on active duty, eligibility can be established after 90 days of continuous active duty. Upon discharge or release from active duty, eligibility must be reestablished.

Selected Reserve or National Guard

If you are not otherwise eligible and you have completed a total of six credible years* in the Selected Reserve or National Guard (member of an active unit, attended required weekend drills and two-week active duty for training) and one of the following:

  • Were discharged with an honorable discharge
  • Were placed on the retired list
  • Were transferred to the Standby Reserve or an element of the Ready Reserve other than the Selected Reserve after service characterized as honorable service
  • Continue to serve in the Selected Reserve
*Individuals who completed less than six years may be eligible if discharged for a service-connected disability.

Other Eligible Beneficiaries


  • You are an un-remarried spouse of a Veteran who died while in service or from a service-connected disability
  • You are a spouse of a Servicemember missing in action or a prisoner of war
  • You are a surviving spouse in receipt of Dependency and Indemnity Compensation (DIC) benefits in cases where the Veteran's death was not service-connected
  • Certain U.S. citizens who served in the armed forces of a government allied with the United States in World War II
  • Individuals with service as members in certain organizations, such as Public Health Service officers, cadets at the United States Military, Air Force, or Coast Guard Academy, midshipmen at the United States Naval Academy, officers of National Oceanic & Atmospheric Administration, merchant seaman with World War II service, and others
Note: A surviving spouse who remarries on or after age 57 and on or after December 16, 2003, may be eligible for the home loan benefit. However, a surviving spouse who remarried before December 16, 2003, and on or after age 57, must have applied no later than December 15, 2004, to establish eligibility.

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