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Whether you’re active-duty or you got your discharge papers many years ago, the most important document you’ll need to qualify for a VA loan is a Certificate of Eligibility (COE) from the Department of Veteran’s Affairs (VA).

How to get access to a VA loan Certificate of Eligibility

VA loans are for veterans, reservists, National Guard members, active-duty personnel, and surviving spouses. At least one of the following criteria must apply to you if you’re seeking a COE:

  • You have served 90 consecutive days of active service during wartime, or 181 days of active service during peacetime.
  • You have been an active member of the National Guard or reserves for more than six years.
  • You have been married to a service member who died in the line of duty, or who died because of a service-related disability.

*For more detailed information on eligibility please visit the VA website.

Active-duty military personnel may apply after they complete six months of service. Reservists or National Guard members ordinarily need to wait six years in order to qualify, though they can qualify sooner if they are required to serve on active duty for 181 days before then.

Ready to apply for a VA home loan? Get started

What other requirements will you need to access VA loans?

Once you have obtained your COE, then you’re ready to proceed with the mortgage application and approval process.
When you apply for a home loan, you will be required to disclose your income, credit (FICO) score, and debt-to-income ratio. Your lender will verify and evaluate these, just like with any non-VA loan.

Why Our VA loans are right for you

At The Federal Savings Bank, we have fewer restrictions than many other banks or mortgage companies that offer similar services. Those may have higher interest rates, which raises your monthly payment. We will work with you to get the best rate and monthly payment for you. And if you choose to obtain your mortgage with The Federal Savings Bank, we make loan payments easy with our intuitive online payment system.

We are a federally chartered, privately held, and veteran-owned bank, focused on educating customers and expanding home ownership in America. Every day we work hard to simplify and remove the roadblocks that are common at other mortgage lenders.

If you are interested in applying for a VA loan, you can easily apply on our website. Our team of experienced professionals are ready to assist you, and keep you informed and updated on every step of your VA mortgage application.

For further information on your eligibility for a VA loan, you can call 872-204-0406 to speak to a member of our team.


Subject to credit approval. Terms and conditions may apply. Property insurance is required for all loans secured by property.

This information is intended for educational purposes only. Products and interest rates subject to change without notice. Loan products are subject to credit approval and include terms and conditions, fees and other costs. Terms and conditions may apply. Property insurance is required on all loans secured by property. VA loan products are subject to VA eligibility requirements. Adjustable Rate Mortgage (ARM) interest rates and monthly payment are subject to adjustment. Upon submission of a full application, a mortgage banker will review and provide you with the terms, conditions, disclosures, and additional details on the interest rates that apply to you individual situation.