Qualifications for VA Home Loan Eligibility

You must meet a certain credit score, earn sufficient income and obtain a Certificate of Eligibility (COE) to be eligible for a VA loan. The VA loan must be used for a home that will be used as your primary residence. Click here to learn all the eligibility requirements to obtain a COE.

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Am I Eligible for a VA Loan?

1. Have you served 90 consecutive days of active service during wartime?

2. Have you served 181 days of active service during peacetime?

3. Do you have more than 6 years of service in the National Guard or Reserves?

4. Are you the spouse of a service member who has died in the line of duty or because of a service-related disability?

If you answered “yes” to one or more of these conditions, then you may be eligible for a VA Loan.


What Are the Income Requirements for a VA Loan?

As of now, there isn’t a specific monthly income required to qualify for a VA Loan. However, it is necessary for borrowers to have a reliable income that covers monthly expenses along with the new mortgage payment from a VA loan.


Who else is Eligible for a VA Loan?

You may also apply for eligibility if you fall into one of the following categories:

Certain U.S. citizens who served in the armed forces of a government allied with the United States in World War II

Individuals with service as members in certain organizations, such as Public Health Service officers, cadets at the United States Military, Air Force, or Coast Guard Academy, midshipmen at the United States Naval Academy, officers of National Oceanic & Atmospheric Administration, merchant seaman with World War II service, and others.


To receive a personalized rate quote, or get pre-qualified online, fill out the form to the right, and a loan officer will be in contact with you.

You can also call 866-627-7119 to speak with a loan officer. 

If you would prefer to schedule an appointment to talk, click here


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loan review

Everyone I dealt with was a top notch professional. It makes me even prouder having served my country, knowing I got this type of excellent treatment. Thank you NASB and everyone involved. Someday I would like to meet each and everyone involved in this transaction, you people are what America is made of, thank you again for the smooth transaction.

John from Indiana

My loan officer was always available to me, even when I would leave a message he would get back to me promptly. While working with NASB, I felt like he was working for me and not just his company. His team was very helpful in gathering information to complete my loan.

- Tracey from Oregon

loan review

NASB and its staff are awesome. They actually have their act together and can help you navigate through the entire process with ease. This is my 3rd loan through them. I would highly recommend.

- Dale from Maryland