Basic VA Service Requirements:
- 90 consecutive days of active duty service
- 181 days of active duty service during peacetime
- 6+ years in the Reserves or National Guard
- Active-duty Service
- National Guard and Reserves
Dishonorably discharged veterans are ineligible for a VA mortgage.
These minimum terms of service requirement may be waived for veterans in certain circumstances. If they were discharged due to government convenience, hardship, reduction in force, certain medical conditions or a service-connected disability.
Who else is eligible for VA home loans:
- Active duty Service
- Service persons on active duty who have served for 90 consecutive days of active service are eligible
- Reservists and Members of the National Guard
- Cadets of the U.S. Military, Air Force, or Coast Guard Academy
- World War II Merchant Seamen
- Midshipmen at the U.S. Naval Academy
- U.S. Public Health Service officers
- National Oceanic & Atmospheric Administration officers