VA LOAN APPLICATION

VA Home Loan



Click below for our VA Discount Center with over 200 Veteran Discounts

The VA Mortgage Loan.

A VA mortgage loan (also known as a Veterans Administration home loan) is one of the most useful military benefits. If you qualify, you can buy or build a home, or refinance an existing home mortgage, with as little as $0 down, great rates, .  Another benefit over traditional mortgages is that there is no PMI (Private Mortgage Insurance, the monthly insurance fee charged to protect the bank until you reach at least 20 percent equity).

For most service-members and veterans who qualify, a VA loan is one of their most valuable benefits and a no-brainer over other, traditional mortgage types. For more information call 1-800-826-5077. To qualify now Go Her

Minimum active-duty service requirements

For service members

If you’ve served for at least 90 continuous days (all at once, without a break in service), you meet the minimum active-duty service requirement.

For Veterans

The minimum active-duty service requirements depend on when you served.

You meet the minimum active-duty service requirement if you served for: 

Between August 2, 1990 and present

  • At least 24 continuous months, or
  • The full period (at least 90 days) for which you were called or ordered to active duty, or
  • At least 90 days if you were discharged for a hardship, or a reduction in force, or
  • Less than 90 days if you were discharged for a service-connected disability
     

Between Sept 8 1980 and August 1 1990

You meet the minimum active-duty service requirement if you served for: 

  • At least 24 continuous months, or
  • The full period (at least 181 days) for which you were called to active duty, or
  • At least 181 days if you were discharged for a hardship, or a reduction in force, or
  • Less than 181 days if you were discharged for a service-connected disability
Other years of service may have other requirements. Feel free to reach out and get prequalified by clicking here.

You meet the minimum active-duty service requirement if you served for: 

  • At least 90 days of non-training active-duty service, or
  • 6 creditable years in the Selected Reserve 

And at least 1 of these must be true:

  • You were discharged honorably, or
  • You were placed on the retired list, or
  • You were transferred to the Standby Reserve or an element of the Ready Reserve other than the Selected Reserve after service characterized as honorable, or
  • You continue to serve in the Selected Reserve
VA Loan Application