VA Home Loans, Length of Service Requirements
A veteran is eligible for VA home loan benefits up to $417,000 if he or she served on active duty in the Armed forces or Coast Guard after September 15, 1940, and was discharged under conditions other than dishonorable.
Required duty: 90 days or more any part of which occurred during wartime or 181 continuous days or more during peacetime.
2 Year Requirement rule: A longer period of service is required for veterans who enlisted (and service began) after September 7, 1980, or entered service as an officer after October 16, 1981.
These veterans must have completed either 24 continuous months of active duty, or the full period for which called to active duty but not less than 90 days wartime or 181 continuous days peacetime.
Eligibility for Reserves, Guard Members of the Reserves or National Guard who are not otherwise eligible for loan guaranty benefits are eligible upon completion of 6 years service.
Some spouses of veterans may have home loan eligibility. They are:
The unmarried surviving spouse of a veteran who died as a result of service or service connected cause and the spouse of an active duty member who is listed as missing in action or a prisoner of war for at least 90 days.
There are numerous exceptions to the length of service requirements outlined in this section. For example, one day of service is sufficient for an individual who is discharged or released from service due to a service-connected disability.
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