VA Loan Requirements
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Time of service necessary to be eligible
The minimum service requirement for these loans is 90 days of continuous service for active service members. National Guard and Reserve Member veterans of the Gulf War must have served 90 days of active service any time between 8/2/1990 and the present. National Guard and Reserve members require six years of service plus an honorable discharge or placement on the retirement list, or transfer to Standby or Ready Reserves, or they must currently serve in the Select Reserves.
Veterans of WWII, the Korean War, and the Vietnam War have a minimum active service duty requirement of at least 90 days, while those with post-war service for each of these wars have a minimum service time of at least 181 days. For more details on the eligible war dates and post-war service dates, visit the U.S. Department of Veterans Affairs Home Loans Eligibility page.
VA Loan Credit Requirements
While there’s no minimum credit score requirement for a VA home loan, lenders must order a credit report and review your history to make sure it’s satisfactory. If you’ve had delinquencies or other credit issues, prepare to explain the situation and how/when it was resolved. Your lender will consider your overall loan application, including your credit report, before deciding to approve it.