VA Loan Eligibility FAQs

If you are interested in the VA home loan program, you probably have questions regarding your eligibility. As you can imagine, this is a detail that you need to address as early in the process as possible.

Below are several frequently asked questions regarding your eligibility as it applies to obtaining a VA loan.

How do I apply?

You can get started by finding any mortgage lender that participates in the VA home loan program. There are hundreds of options throughout the country, so finding a participating lender is typically a simple process.

In the future, before you can obtain a loan from the lender, you will need to receive a Certificate of Eligibility from the VA. This is what the VA needs in order to see that you are eligible for the home loan program.

Where do I get a Certificate of Eligibility?

To get started, you must complete a VA Form 26-1880, Request for a Certificate of Eligibility. This form must be submitted to the Atlanta Eligibility Center, along with proof that you served in the military.

Can my lender do all of the work for me?

In many cases, your lender can obtain your Certificate of Eligibility through the Web LGY. This online system makes it simple for the lender to not only verify your eligibility but also issue a Certificate of Eligibility. While not every application can be processed through this system, many can.

What qualifies as proof of military service?

For those who are still active duty, you need an original statement of service that has been signed by your commander or personnel officer which includes your social security number and provides information regarding your date of entry.

For those discharged after January 1, 1950, a copy of DD Form 214, Certificate of Release or Discharge From Active Duty will suffice. For those who were discharged after October 1, 1979, DD Form 214 copy 4 must be included.

In the past I obtained a VA loan. Do I qualify for another?

In most cases, your eligibility can be reused. Typically, if you have paid off your past VA loan and the property is no longer yours, you can use your eligibility again in the future.

Additionally, on a one-time basis you can retain your eligibility if your prior VA home loan has been paid off but you still own the property.

If you have other questions on your mind, you can find the right answers by contacting a lender that currently participates in the VA program.

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