What are the criteria to qualify for a VA home loan?

What are the criteria to qualify for a VA home loan?

To qualify for a VA home loan, you must:

  • Meet credit and income standards (i.e. good credit, and sufficient income to repay loan);
  • Have a valid Certificate of Eligibility (COE, obtained by submitting VA Form 26-1880);
  • Use the home for your own personal occupancy;
  • Have been discharged under conditions other than dishonorable; and,
  • Meet time-in-service requirements.