VA Loan Eligibility.  Are you eligible for a VA Mortgage?

One of the quickest and easiest ways to determine your VA loan eligibility is to contact one of our approved VA loan specialists.  LowVARates and our approved VA lenders can help you determine if you are eligible for a VA loan in a matter of seconds. 

Contacting LowVARates will not cost you anything and has no obligation.  Please talk live with one of our agents by calling Toll Free 866-569-8272, go to our contact us page and submit your request, or chat live now.

VA Loan Eligibility

In general if you have served or are serving honorably in our military then you are most likely eligible for a VA home loan.  If you can answer YES to any of these questions listed below then chances are you are eligible for a VA loan:

Have you ever?

 • Served 181 days during peacetime (Active Duty)?
 • Served 90 days during war time (Active Duty)?
 • Served 6 years in the Reserves or National Guard?
 • Are you the spouse of a service member who was killed in the line of duty?

In addition to having served this country you need to make sure you have not defaulted on any government debts before.  You may have VA loan entitlement due to your honorable service, however if you have defaulted on government debt like student loans, FHA loans etc, there is a chance that you may not be able to get a VA loan.  Before you try to make this determination on your own you need to contact one of our approved VA loan officers or contact us and we will check directly for you via a secure site knows as CAIVRS or Credit Alert Interactive Voice Response.  It is possible to have defaulted and still be eligible for a VA loan.