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“Who Qualifies” for a VA Loan?

Not everyone who served our country is eligible for a no-down VA loan—but there are many, many veterans who DO qualify and don’t realize that they are eligible. 

While a Certificate of Eligibility is the document that makes the final determination, here’s a list of those who may qualify.

Surviving Spouse Benefit Criteria

  • Unmarried Spouse of a Veteran
    • Who died on active duty OR
    • Who died from service-related injury OR
    • Who is listed as MIA or POW for at least 90 days (one-time use only) OR
    • Who was totally disabled whose disability may not have been the cause of death.
  • Veteran Spouse who remarried after age 57 and after December 16, 2003, and the veteran had
    • Died on active-duty OR
    • Died from service-related injury

Branches of Service

  • Army
  • Navy
  • Air Force
  • Marines
  • Coast Guard
  • National Guard
  • Public Health Officers
  • Cadets – Army, Navy, Air Force, Marines, Coast Guard
  • Midshipmen – Naval Academy
  • National Oceanic & Atmospheric Officers
  • Merchant Seamen (WWII)
  • US Citizens who served in the armed forces of other governments (WWII)

(If discharged, must have attained an “Honorable Discharge” or “Other Than Honorable” discharge in order to obtain a Certificate of Eligibility.)

source: Mortgage Currentcy

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Since VA loans are one of the best mortgage types available for veterans these days, contact us and we can help you obtain your Certificate of Eligibility and qualify you for a VA loan.

The information provided has been based on rules and regulations issued by Federal Agencies and interpreted for you. Interpretations are not guaranteed, but we attempt to make them easy to understand. Check with us directly and we can clarify any information that pertains to your financing needs.
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