Eligibility Tool
VA Loan Eligibility Checker
Determine if you qualify for a VA home loan based on your military service and financial situation.
VA Loan Eligibility Checker
Determine if you qualify for a VA home loan
Military Service
Financial Information
$
$
Car loans, student loans, credit cards, etc.
Eligibility Status
Likely Eligible
Score: 70/100Eligibility Factors
⚠
Veteran Status
Verify your military service status
✓
Active Duty Service
4 years of active duty meets minimum requirement
✓
Discharge Status
Honorable discharge qualifies for VA loan
✓
Credit Score
Score of 680 meets VA lender requirements
✓
Debt-to-Income
DTI of 8.0% is within acceptable range
VA Loan Benefits
- No down payment required (up to VA county limit)
- No PMI required
- Competitive interest rates
- Flexible credit requirements
- Funding fee can be financed
About VA Loans
The VA Home Loan Program is a benefit available to veterans, active-duty service members, and eligible surviving spouses. It's one of the most powerful mortgage programs available, offering:
- No down payment required (up to county limits)
- No PMI - even with 0% down
- Competitive interest rates - often lower than conventional loans
- Flexible credit requirements - more forgiving than conventional loans
- No prepayment penalty - pay off early without fees
Service Requirements
To qualify for a VA loan, you must meet one of the following service requirements:
- Active Duty: At least 181 days of continuous active duty service
- Veterans: At least 90 days of active service during wartime or 180 days during peacetime
- National Guard/Reserve: At least 6 years of service
- Surviving Spouses: Of veterans who died in service or from service-connected disabilities