The first step to getting a VA loan is determining your eligibility. This section provides information on requirements for VA loan eligibility, and the eligibility application process.

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What Is the Minimum Credit Score for a VA Loan?

While some types of VA loan refinancing won't use your credit score, for your initial VA loan most lending institutions will use a benchmark of some kind.  On average, that number is around 620.

What Are the Qualifications for Obtaining a VA Loan?

Generally, if you have completed at least 90 days of active service during wartime,


you have at least 6 years of service either in the Reserves or National Guard,


you have served at least 181 days of active service during peacetime,


you're the spouse of a military service member who has either died in the line of duty or as a result of a service-related disability.

What Do I Need To Secure A VA Loan?

In order to qualify for a VA loan, you'll need to provide your lending institution with a COE, or Certificate of Eligibility. The process to obtain a COE involves obtaining proof of service and filling out the right paperwork for your military branch.

Take the First Step

The first step is in a purchase or refinance is to get rate quotes from us by providing us with your COE (Certification of Eligibility).

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