Your service is the starting point
Eligibility can extend to veterans, active-duty members, qualifying National Guard and Reserve members, and certain surviving spouses. Requirements depend on service dates, service type, and discharge circumstances. VA makes the determination; use the official service-date guidance rather than a blanket rule.
Request your COE
Request your Certificate of Eligibility online at VA.gov, through your lender, or by the official mail process. Required records vary by service category. A COE shows service-based eligibility; it is not a mortgage approval.
The lender reviews the financial side
Credit history, income, debts, residual income, and occupancy are separate considerations. VA does not set a universal minimum credit score; lenders may have their own requirements. Compare lenders if one says you do not fit their program.
Check the official guidance
Program rules can change. Confirm your circumstances with VA and your lender.
VA.gov: EligibilityVA.gov: Request a Certificate of EligibilityGeneral education only. Loan approval, property eligibility, costs, and contract rights depend on individual circumstances. We are an independent resource, not VA or a lender.
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