Pennsylvania Home Buyer

What are the eligibility requirements for a VA loan?

US flagVeterans can qualify for a VA loan if the veteran meets the credit and income guidelines and have a valid Certificate of Eligibility (COE).

The home must be for your own personal occupancy. You must have been discharged under conditions other than dishonorable and meet these service requirements:

Veteran
Qualifying Wartime and Peacetime Periods Qualifying Active Duty Dates Minimum Active Duty Service Requirement
Gulf War 8/2/1990 - Present 24 continuous months, OR
The full period (at least 90 days) for which you were called or ordered to active duty
24-month rule 9/8/1980 - 8/1/1990 *The beginning date for officers is 10/17/1981 24 continuous months, OR, the full period (at least 181 days) for which you were called or ordered to active duty
Post-Vietnam War 5/8/1975 - 9/7/1980 *The ending date for officers is 10/16/1981 181 continuous days
Vietnam War 8/5/1964 - 5/7/1975 *For Veterans who served in the Republic of Vietnam, the beginning date is 2/28/1961 90 total days
Post-Korean War 2/1/1955 - 8/4/1964 181 continuous days
Korean War 6/27/1950 - 1/31/1955 90 total days
Post-WWII 7/26/1947 - 6/26/1950 181 continuous days
WWII 9/16/1940 - 7/25/1947 90 total days

Currently On Active Duty
Qualifying Wartime and Peacetime Periods Qualifying Active Duty Dates Minimum Active Duty Service Requirement
Any Any 90 continuous days

National Guard and Reserve Member
Gulf War 8/2/1990 - Present 90 days of active service
Six years of service in the Selected Reserve or National Guard, AND
  • Continue to serve in the Selected Reserve
  • Were discharged honorably, OR
  • Were placed on the retired list, OR
   

*If you do not meet the minimum service requirements, you may still be eligible if you were discharged due to (1) hardship, (2) the convenience of the government, (3) reduction-in-force, (4) certain medical conditions, or (5) a service-connected disability.

Spouses

The spouse of a Veteran can also apply for home loan eligibility under one of the following conditions:

  • Surviving spouses of certain totally disabled Pennsylvania veterans whose disability may not have been the cause of death
    (Note: a surviving spouse who remarried before December 16, 2003, and on or after attaining age 57, must have applied no later than December 15, 2004, to establish home loan eligibility. VA must deny applications from surviving spouses who remarried before December 6, 2003 that are received after December 15, 2004.)
  • Surviving spouse who remarries on or after attaining age 57, and on or after December 16, 2003
  • Spouse of a Service member missing in action or a prisoner of war
  • Un-remarried spouse of a Veteran who died while in service or from a service related disability

Other Eligible Beneficiaries

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