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Veterans and active-duty members of the armed services are among those qualified for VA home loans. Other people who qualify for VA mortgages are National Guard members, reservists, and any qualified surviving spouse. For the latter, there may be different conditions based on the length of your/your spouse’s service.

How do I qualify for a VA mortgage loan?

VA home loans are mortgages guaranteed by the U.S. Department of Veterans Affairs, and are a key benefit provided to those who put their lives on the line for our country. Unlike conventional mortgages, VA home loans have no down payment requirement. This means qualified homebuyers may fund the entire purchase of their new home with no money down, or even build a brand-new home with less money down compared to conventional home loans.

At least one of the following criteria must apply to you to access your VA mortgage entitlement:

  • 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.

Maximizing your qualification for a VA home loan

Whether you’ve just begun your search, or you’re already packed, understanding how to qualify for a VA home loan doesn’t have to be a daunting task. Your lender can help you access your Certificate of Eligibility from the VA. A VA lending specialist from The Federal Savings Bank can then help you find the right VA home loan for you. We also offer conventional mortgages, FHA mortgages, and specialty products for medical professionals.

If you’re interested in learning more, consider speaking with a loan officer about your options. You can give us a call at +1 877-788-3520. For more information on your VA home loan entitlements, you can also access our free resources in our Learning Center.


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 your individual situation.