🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 154 (from laksa121)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa154.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.va.gov/housing-assistance/home-loans/eligibility/\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.va.gov/housing-assistance/home-loans/eligibility/\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.va.gov\/housing-assistance\/home-loans\/eligibility\/","crawl_time":1774979635,"first_indexed_time":1545237718,"http_code":200,"src_unparsed":"gov,va!www,\/housing-assistance\/home-loans\/eligibility\/ s443","src_root_hash":"17798536852182628754","history_drop_reason":null,"meta_title":"Eligibility For VA Home Loan Programs | Veterans Affairs","meta_descriptions":["Learn about VA home loan eligibility requirements for a VA direct loan (Native American Direct Loan) or a VA-backed loan. Find out how to request a Certificate of Eligibility (COE) to show your lender that you qualify based on your service history and duty status. To get financing for a VA-backed home loan, you must meet credit, income, and occupancy requirements from both the VA and your lender."],"attrs_boilerpipe_text":"Learn about VA home loan eligibility requirements for a VA direct loan (Native American Direct Loan) or a VA-backed loan. Find out how to request a Certificate of Eligibility (COE) to show your lender that you qualify based on your service history and duty status. To get financing for a VA-backed home loan, you must meet credit, income, and occupancy requirements from both the VA and your lender.\nCan I get a COE for a Native American Direct Loan or a VA-backed home loan?\nYou may be able to get a COE if you meet the minimum active-duty service requirements for your service period or were discharged under a qualifying exception.\nMinimum active-duty service requirements\nFor service members\nIf you’ve served for at least 90 continuous days (all at once, without a break in service), you meet the minimum active-duty service requirement.\nFor Veterans\nThe minimum active-duty service requirements depend on when you served.\nWhen did you serve?\nBetween August 2, 1990, and the present (Gulf War period to present)\nYou meet the minimum active-duty service requirement if you served for:\nAt least 24 continuous months,\nor\nThe full period (at least 90 days) for which you were called or ordered to active duty,\nor\nAt least 90 days if you were discharged under a qualifying exception (\ncheck the qualifying exceptions\n),\nor\nLess than 90 days if you were discharged for a service-connected disability\nBetween September 8, 1980, and August 1, 1990\nYou meet the minimum active-duty service requirement if you served for:\nAt least 24 continuous months,\nor\nThe full period (at least 181 days) for which you were called to active duty,\nor\nAt least 181 days if you were discharged under a qualifying exception (\ncheck the qualifying exceptions\n),\nor\nLess than 181 days if you were discharged for a service-connected disability\nBetween October 17, 1981, and August 1, 1990, as an officer\nYou meet the minimum active-duty service requirement if you served for:\nAt least 24 continuous months,\nor\nThe full period (at least 181 days) for which you were called to active duty,\nor\nAt least 181 days if you were discharged under a qualifying exception (\ncheck the qualifying exceptions\n),\nor\nLess than 181 days if you were discharged for a service-connected disability\nBetween May 8, 1975, and September 7, 1980 (post-Vietnam War period)\nYou meet the minimum active-duty service requirement if you served for:\n181 continuous days,\nor\nLess than 181 days if you were discharged for a service-connected disability\nBetween May 8, 1975, and October 16, 1981, as an officer\nYou meet the minimum active-duty service requirement if you served for:\n181 continuous days,\nor\nLess than 181 days if you were discharged for a service-connected disability\nBetween August 5, 1964, and May 7, 1975 (Vietnam War)\nYou meet the minimum active-duty service requirement if you served for:\nAt least 90 total days,\nor\nLess than 90 days if you were discharged for a service-connected disability\nBetween November 1, 1955, and May 7, 1975, in the Republic of Vietnam\nYou meet the minimum active-duty service requirement if you served for:\nAt least 90 total days,\nor\nLess than 90 days if you were discharged for a service-connected disability\nBetween February 1, 1955, and August 4, 1964 (post-Korean War period)\nYou meet the minimum active-duty service requirement if you served for:\nAt least 181 total days,\nor\nLess than 181 days if you were discharged for a service-connected disability\nBetween June 27, 1950, and January 31, 1955 (Korean War)\nYou meet the minimum active-duty service requirement if you served for:\nAt least 90 total days,\nor\nLess than 90 days if you were discharged for a service-connected disability\nBetween July 26, 1947, and June 26, 1950 (post-WWII period)\nYou meet the minimum active-duty service requirement if you served for:\nAt least 181 continuous days,\nor\nLess than 181 days if you were discharged for a service-connected disability\nBetween September 16, 1940, and July 25, 1947 (WWII)\nYou meet the minimum active-duty service requirement if you served for:\nAt least 90 total days,\nor\nLess than 90 days if you were discharged for a service-connected disability\nFor National Guard members\nYou meet the minimum active-duty service requirement if you served for:\nAt least 90 days of non-training active-duty Title 10 service,\nor\nAt least 90 days of active-duty service including at least 30 consecutive days (your DD214 must show 32 USC sections 316, 502, 503, 504, or 505 activation),\nor\n6 creditable years in the National Guard, and you continue to serve,\nor\n6 creditable years in the National Guard and you were discharged honorably or placed on the retired list\nFor Reserve members\nYou meet the minimum length of service requirement if you served for:\nAt least 90 days of non-training active-duty service,\nor\n6 creditable years in the Selected Reserve, and you continue to serve,\nor\n6 creditable years in the Selected Reserve and you were discharged honorably or placed on the retired list\nHow do I request a COE?\nWhat if I don’t meet the minimum service requirements?\nYou may still be able to get a COE if you were discharged under one of the qualifying exceptions listed here. You can apply, and we’ll review your service records to determine if you qualify for a COE.\nYou must have been discharged under one of these exceptions:\nHardship,\nor\nThe convenience of the government (you must have served at least 20 months of a 2-year enlistment),\nor\nEarly out (you must have served 21 months of a 2-year enlistment),\nor\nInvoluntary reduction in force,\nor\nCertain medical conditions,\nor\nA service-connected disability (a disability related to your military service)\nWhat should I do if I received an other than honorable, bad conduct, or dishonorable discharge?\nCan I get a COE as a surviving spouse?\nYou may be able to get a COE if you’re a surviving spouse and one of these is true for you:\nYou’re eligible for or currently receiving certain types of VA Dependency and Indemnity Compensation (DIC),\nor\nYou’re the spouse of an active-duty service member who’s missing in action (MIA) or being held as a prisoner of war (POW)\nFind out how to request a COE as a surviving spouse\nCan I get a COE in any other situations?\nYou may be able to get a COE if you meet at least one of these requirements.\nAt least one of these must be true:\nYou’re a U.S. citizen who served in the Armed Forces of a government allied with the U.S. in World War II,\nor\nYou served as a member in certain organizations\nThese roles in organizations can include:\nPublic Health Service officer\nCadet at the United States Military, Air Force, or Coast Guard Academy\nMidshipman at the United States Naval Academy\nOfficer of the National Oceanic and Atmospheric Administration\nMerchant seaman during World War II\nCan I reuse my COE?\nYou may be able to restore an entitlement you used in the past to buy another home with a VA Native American Direct Loan or VA-backed loan if you meet at least one of these requirements and continue to meet the eligibility requirements listed on this page.\nAt least one of these must be true:\nYou’ve sold the home you bought with the prior loan and have paid that loan in full,\nor\nA qualified Veteran-transferee agrees to assume your loan and substitute their entitlement for the same amount of entitlement you used originally,\nor\nYou’ve repaid your prior loan in full, but haven’t sold the home you bought with that loan (you can only do this once)\nYou can request a COE with an entitlement restoration online. You can also ask your lender to submit an online application for you, or you can fill out a Request for a Certificate of Eligibility (VA Form 26-1880) and send it to the VA address listed on the form.\nIf you don't meet at least one of the requirements to restore the entitlement you used in the past, you may still have remaining entitlement to buy or refinance another home with a VA Native American Direct Loan or VA-backed loan.\nGet VA Form 26-1880 to download\nWhat if I have questions about my eligibility?\nIf you have any questions about your eligibility for a VA home loan, call VA Loan Guaranty Service at\n (TTY: 711). We’re here Monday through Friday, 8:00 a.m. to 6:00 p.m. ET. \nYou can also submit your questions online through the Loan Guaranty support portal. You’ll need to sign in or create an account first.\nGo to our Loan Guaranty support portal","attrs_markdown":"[Skip to Content](https:\/\/www.va.gov\/housing-assistance\/home-loans\/eligibility\/#content)\n\n![U.S. flag](https:\/\/s3-us-gov-west-1.amazonaws.com\/content.www.va.gov\/img\/tiny-usa-flag.png)\n\nAn official website of the United States government\n\nHere’s how you know\n\n![Dot gov](https:\/\/s3-us-gov-west-1.amazonaws.com\/content.www.va.gov\/img\/icon-dot-gov.svg)\n\n**The .gov means it’s official.**   \n Federal government websites often end in .gov or .mil. Before sharing sensitive information, make sure you're on a federal government site.\n\n![SSL](https:\/\/s3-us-gov-west-1.amazonaws.com\/content.www.va.gov\/img\/icon-https.svg)\n\n**The site is secure.**   \n The **https:\/\/** ensures that you're connecting to the official website and that any information you provide is encrypted and sent securely.\n\nTalk to the **Veterans Crisis Line** now ![](https:\/\/s3-us-gov-west-1.amazonaws.com\/content.www.va.gov\/img\/arrow-right-white.svg)\n\n[![VA logo and Seal, U.S. Department of Veterans Affairs](https:\/\/s3-us-gov-west-1.amazonaws.com\/content.www.va.gov\/img\/header-logo.png)](https:\/\/www.va.gov\/)\n\nClose\n\nSearch\n\nUse up and down arrows to review autocomplete results and enter to search. Touch device users, explore by touch or with swipe gestures.\n\nSearch\n\n[Contact us](https:\/\/www.va.gov\/contact-us\/)\n\n- [Home](https:\/\/www.va.gov\/)\n- VA Benefits and Health Care\n- About VA\n- [Find a VA Location](https:\/\/www.va.gov\/find-locations\/)\n- [My VA](https:\/\/www.va.gov\/my-va\/)\n- [My HealtheVet](https:\/\/www.va.gov\/my-health\/)\n\nHousing assistance\n\n[VA-backed home loans](https:\/\/www.va.gov\/housing-assistance\/home-loans)\n\n- [Loan types](https:\/\/www.va.gov\/housing-assistance\/home-loans\/loan-types)\n  - [Purchase loan](https:\/\/www.va.gov\/housing-assistance\/home-loans\/loan-types\/purchase-loan)\n  - [Native American Direct Loan](https:\/\/www.va.gov\/housing-assistance\/home-loans\/loan-types\/native-american-direct-loan)\n  - [Interest rate reduction refinance loan](https:\/\/www.va.gov\/housing-assistance\/home-loans\/loan-types\/interest-rate-reduction-loan)\n  - [Cash-out refinance loan](https:\/\/www.va.gov\/housing-assistance\/home-loans\/loan-types\/cash-out-loan)\n- [Eligibility](https:\/\/www.va.gov\/housing-assistance\/home-loans\/eligibility)\n- [How to request a COE](https:\/\/www.va.gov\/housing-assistance\/home-loans\/how-to-request-coe)\n- [Request a COE online](https:\/\/www.va.gov\/housing-assistance\/home-loans\/request-coe-form-26-1880)\n- [Check your COE status](https:\/\/www.va.gov\/housing-assistance\/home-loans\/check-coe-status)\n- [Check claim, decision review, or appeal status](https:\/\/www.va.gov\/claim-or-appeal-status)\n- [Request a decision review](https:\/\/www.va.gov\/decision-reviews)\n- [Home loan limits](https:\/\/www.va.gov\/housing-assistance\/home-loans\/loan-limits)\n- [Funding fee and closing costs](https:\/\/www.va.gov\/housing-assistance\/home-loans\/funding-fee-and-closing-costs)\n- [Find VA-acquired properties](https:\/\/www.benefits.va.gov\/homeloans\/realtors_property_mgmt.asp)\n- [Buying a home with a VA-backed loan](https:\/\/www.va.gov\/housing-assistance\/home-loans\/home-buying-process)\n- [Warning about refinancing offers](https:\/\/news.va.gov\/43234\/va-and-the-consumer-financial-protection-bureau-warn-against-home-loan-refinancing-offers-that-sound-too-good-to-be-true\/)\n- [Guidance on natural disasters](https:\/\/www.benefits.va.gov\/HOMELOANS\/documents\/docs\/va_policy_regarding_natural_disasters.pdf)\n- [VA help to avoid foreclosure](https:\/\/www.va.gov\/housing-assistance\/home-loans\/trouble-making-payments)\n\n**In this section**\n\n# Eligibility for VA home loan programs\nLearn about VA home loan eligibility requirements for a VA direct loan (Native American Direct Loan) or a VA-backed loan. Find out how to request a Certificate of Eligibility (COE) to show your lender that you qualify based on your service history and duty status. To get financing for a VA-backed home loan, you must meet credit, income, and occupancy requirements from both the VA and your lender.\n\n## Can I get a COE for a Native American Direct Loan or a VA-backed home loan?\nYou may be able to get a COE if you meet the minimum active-duty service requirements for your service period or were discharged under a qualifying exception.\n\n## Minimum active-duty service requirements\n### For service members\nIf you’ve served for at least 90 continuous days (all at once, without a break in service), you meet the minimum active-duty service requirement.\n\n### For Veterans\nThe minimum active-duty service requirements depend on when you served.\n\n#### When did you serve?\n\n##### Between August 2, 1990, and the present (Gulf War period to present)\nYou meet the minimum active-duty service requirement if you served for:\n\n- At least 24 continuous months, **or**\n- The full period (at least 90 days) for which you were called or ordered to active duty, **or**\n- At least 90 days if you were discharged under a qualifying exception ([check the qualifying exceptions](https:\/\/www.va.gov\/housing-assistance\/home-loans\/eligibility\/#what-if-i-dont-meet-the-minimu)), **or**\n- Less than 90 days if you were discharged for a service-connected disability\n\n##### Between September 8, 1980, and August 1, 1990\nYou meet the minimum active-duty service requirement if you served for:\n\n- At least 24 continuous months, **or**\n- The full period (at least 181 days) for which you were called to active duty, **or**\n- At least 181 days if you were discharged under a qualifying exception ([check the qualifying exceptions](https:\/\/www.va.gov\/housing-assistance\/home-loans\/eligibility\/#what-if-i-dont-meet-the-minimu)), **or**\n- Less than 181 days if you were discharged for a service-connected disability\n\n##### Between October 17, 1981, and August 1, 1990, as an officer\nYou meet the minimum active-duty service requirement if you served for:\n\n- At least 24 continuous months, **or**\n- The full period (at least 181 days) for which you were called to active duty, **or**\n- At least 181 days if you were discharged under a qualifying exception ([check the qualifying exceptions](https:\/\/www.va.gov\/housing-assistance\/home-loans\/eligibility\/#what-if-i-dont-meet-the-minimu)), **or**\n- Less than 181 days if you were discharged for a service-connected disability\n\n##### Between May 8, 1975, and September 7, 1980 (post-Vietnam War period)\nYou meet the minimum active-duty service requirement if you served for:\n\n- 181 continuous days, **or**\n- Less than 181 days if you were discharged for a service-connected disability\n\n##### Between May 8, 1975, and October 16, 1981, as an officer\nYou meet the minimum active-duty service requirement if you served for:\n\n- 181 continuous days, **or**\n- Less than 181 days if you were discharged for a service-connected disability\n\n##### Between August 5, 1964, and May 7, 1975 (Vietnam War)\nYou meet the minimum active-duty service requirement if you served for:\n\n- At least 90 total days, **or**\n- Less than 90 days if you were discharged for a service-connected disability\n\n##### Between November 1, 1955, and May 7, 1975, in the Republic of Vietnam\nYou meet the minimum active-duty service requirement if you served for:\n\n- At least 90 total days, **or**\n- Less than 90 days if you were discharged for a service-connected disability\n\n##### Between February 1, 1955, and August 4, 1964 (post-Korean War period)\nYou meet the minimum active-duty service requirement if you served for:\n\n- At least 181 total days, **or**\n- Less than 181 days if you were discharged for a service-connected disability\n\n##### Between June 27, 1950, and January 31, 1955 (Korean War)\nYou meet the minimum active-duty service requirement if you served for:\n\n- At least 90 total days, **or**\n- Less than 90 days if you were discharged for a service-connected disability\n\n##### Between July 26, 1947, and June 26, 1950 (post-WWII period)\nYou meet the minimum active-duty service requirement if you served for:\n\n- At least 181 continuous days, **or**\n- Less than 181 days if you were discharged for a service-connected disability\n\n##### Between September 16, 1940, and July 25, 1947 (WWII)\nYou meet the minimum active-duty service requirement if you served for:\n\n- At least 90 total days, **or**\n- Less than 90 days if you were discharged for a service-connected disability\n\n### For National Guard members\nYou meet the minimum active-duty service requirement if you served for:\n\n- At least 90 days of non-training active-duty Title 10 service, **or**\n- At least 90 days of active-duty service including at least 30 consecutive days (your DD214 must show 32 USC sections 316, 502, 503, 504, or 505 activation), **or**\n- 6 creditable years in the National Guard, and you continue to serve, **or**\n- 6 creditable years in the National Guard and you were discharged honorably or placed on the retired list\n\n### For Reserve members\nYou meet the minimum length of service requirement if you served for:\n\n- At least 90 days of non-training active-duty service, **or**\n- 6 creditable years in the Selected Reserve, and you continue to serve, **or**\n- 6 creditable years in the Selected Reserve and you were discharged honorably or placed on the retired list\n\n## How do I request a COE?\nYou can request a COE online right now, or you can ask your lender to submit an online application for you.\n\n[Request a COE](https:\/\/www.va.gov\/housing-assistance\/home-loans\/request-coe-form-26-1880)\n\n[Learn more about how to request a COE](https:\/\/www.va.gov\/housing-assistance\/home-loans\/how-to-request-coe \"How to request a VA home loan Certificate of Eligibility (COE)\")\n\n## What if I don’t meet the minimum service requirements?\nYou may still be able to get a COE if you were discharged under one of the qualifying exceptions listed here. You can apply, and we’ll review your service records to determine if you qualify for a COE.\n\n**You must have been discharged under one of these exceptions:**\n\n- Hardship, **or**\n- The convenience of the government (you must have served at least 20 months of a 2-year enlistment), **or**\n- Early out (you must have served 21 months of a 2-year enlistment), **or**\n- Involuntary reduction in force, **or**\n- Certain medical conditions, **or**\n- A service-connected disability (a disability related to your military service)\n\n## What should I do if I received an other than honorable, bad conduct, or dishonorable discharge?\nIf you’ve received an other than honorable, bad conduct, or dishonorable discharge, you may not be eligible for VA benefits. You can apply, and we’ll review your service records to determine if you qualify for a COE.\n\n**There are 2 ways you can try to qualify:**\n\n- Apply for a discharge upgrade\n- Ask for a VA Character of Discharge review\n\n[Learn about applying for a discharge upgrade and requesting a Character of Discharge review](https:\/\/www.va.gov\/discharge-upgrade-instructions\/introduction\/)\n\n## Can I get a COE as a surviving spouse?\nYou may be able to get a COE if you’re a surviving spouse and one of these is true for you:\n\n- You’re eligible for or currently receiving certain types of VA Dependency and Indemnity Compensation (DIC), **or**\n- You’re the spouse of an active-duty service member who’s missing in action (MIA) or being held as a prisoner of war (POW)\n\n[Find out how to request a COE as a surviving spouse](https:\/\/www.va.gov\/family-and-caregiver-benefits\/housing-assistance\/surviving-spouse-home-loan \"Home loans for surviving spouses\")\n\n## Can I get a COE in any other situations?\nYou may be able to get a COE if you meet at least one of these requirements.\n\n**At least one of these must be true:**\n\n- You’re a U.S. citizen who served in the Armed Forces of a government allied with the U.S. in World War II, **or**\n- You served as a member in certain organizations\n\n**These roles in organizations can include:**\n\n- Public Health Service officer\n- Cadet at the United States Military, Air Force, or Coast Guard Academy\n- Midshipman at the United States Naval Academy\n- Officer of the National Oceanic and Atmospheric Administration\n- Merchant seaman during World War II\n\n## Can I reuse my COE?\nYou may be able to restore an entitlement you used in the past to buy another home with a VA Native American Direct Loan or VA-backed loan if you meet at least one of these requirements and continue to meet the eligibility requirements listed on this page.\n\n**At least one of these must be true:**\n\n- You’ve sold the home you bought with the prior loan and have paid that loan in full, **or**\n- A qualified Veteran-transferee agrees to assume your loan and substitute their entitlement for the same amount of entitlement you used originally, **or**\n- You’ve repaid your prior loan in full, but haven’t sold the home you bought with that loan (you can only do this once)\n\nYou can request a COE with an entitlement restoration online. You can also ask your lender to submit an online application for you, or you can fill out a Request for a Certificate of Eligibility (VA Form 26-1880) and send it to the VA address listed on the form.\n\nIf you don't meet at least one of the requirements to restore the entitlement you used in the past, you may still have remaining entitlement to buy or refinance another home with a VA Native American Direct Loan or VA-backed loan.\n\n[Get VA Form 26-1880 to download](https:\/\/www.va.gov\/forms\/26-1880 \"About VA Form 26-1880\")\n\n## What if I have questions about my eligibility?\nIf you have any questions about your eligibility for a VA home loan, call VA Loan Guaranty Service at  (TTY: 711). We’re here Monday through Friday, 8:00 a.m. to 6:00 p.m. ET.\n\nYou can also submit your questions online through the Loan Guaranty support portal. You’ll need to sign in or create an account first.  \n[Go to our Loan Guaranty support portal](https:\/\/yourit.va.gov\/csp)\n\n## Get more information\n- [Learn more about VA home loan guaranty benefits](https:\/\/www.benefits.va.gov\/homeloans\/index.asp)\n- [Play a video about the costs of home ownership (YouTube)](https:\/\/www.youtube.com\/watch?v=vYr5QVwL1Ow&list=PLA93A5833057D78B7&index=7)\n- [Check out the Consumer Financial Protection Bureau’s home loan toolkit (PDF)](https:\/\/files.consumerfinance.gov\/f\/201503_cfpb_your-home-loan-toolkit-web.pdf)\n\n## Loan options\n- ###\n  Looking to buy a home? Find out if you can get a VA-backed purchase loan and get better terms than with a private lender loan.\n- ###\n  Have an existing VA home loan? Find out if you can get a VA-backed IRRRL to help reduce your monthly payments or make them more stable.\n- ###\n  Want to take cash out of your home equity to pay off debt, pay for school, or take care of other needs? Find out if you can get a VA-backed cash-out refinance loan.\n- ###\n  Are you a Native American Veteran or a Veteran married to a Native American? Find out if you can get a loan through our NADL program to buy, build, or improve a home on federal trust land.\n\nLast updated: June 12, 2025\n\n## Veteran programs and services\n- [Homeless Veterans](https:\/\/www.va.gov\/homeless\/)\n- [Women Veterans](https:\/\/www.va.gov\/womenvet\/)\n- [Minority Veterans](https:\/\/www.va.gov\/centerforminorityveterans\/)\n- [PTSD](https:\/\/www.ptsd.va.gov\/)\n- [Mental health](https:\/\/www.mentalhealth.va.gov\/)\n- [Adaptive sports and special events](https:\/\/department.va.gov\/veteran-sports\/)\n- [Small business programs](https:\/\/www.va.gov\/osdbu\/)\n- [VA outreach events](https:\/\/www.va.gov\/outreach-and-events\/events\/)\n- [National Resource Directory](https:\/\/www.nrd.gov\/)\n\n## More VA resources\n- [VA forms](https:\/\/www.va.gov\/forms\/)\n- [VA health care access and quality](https:\/\/www.accesstocare.va.gov\/)\n- [Get help from an accredited representative or VSO](https:\/\/www.va.gov\/get-help-from-accredited-representative)\n- [VA mobile apps](https:\/\/www.mobile.va.gov\/appstore\/)\n- [State Veterans Affairs offices](https:\/\/department.va.gov\/about\/state-departments-of-veterans-affairs-office-locations\/)\n- [Doing business with VA](https:\/\/www.va.gov\/opal\/fo\/dbwva.asp)\n- [Careers at VA](https:\/\/www.va.gov\/jobs\/)\n- [VA outreach materials](https:\/\/www.va.gov\/outreach-and-events\/outreach-materials)\n- [Your VA welcome kit](https:\/\/www.va.gov\/welcome-kit\/)\n\n## Get VA updates\n- [VA news](https:\/\/news.va.gov\/)\n- [Press releases](https:\/\/www.va.gov\/opa\/pressrel\/)\n- [Email updates](https:\/\/public.govdelivery.com\/accounts\/USVA\/subscriber\/new\/)\n- [Facebook](https:\/\/www.facebook.com\/VeteransAffairs)\n- [Instagram](https:\/\/www.instagram.com\/deptvetaffairs\/)\n- [X](https:\/\/x.com\/DeptVetAffairs\/)\n- [Flickr](https:\/\/www.flickr.com\/photos\/VeteransAffairs\/)\n- [YouTube](https:\/\/www.youtube.com\/user\/DeptVetAffairs)\n- [All VA social media](https:\/\/digital.va.gov\/web-governance\/social-media\/social-media-sites\/)\n\n## In crisis? Talk to someone now\n- Veterans Crisis Line\n## Get answers\n- [Resources and support](https:\/\/www.va.gov\/resources\/)\n- [Contact us](https:\/\/www.va.gov\/contact-us\/)\n## Call us\n- [800-698-2411](tel:18006982411)\n- [TTY: 711](tel:711)\n## Visit a medical center or regional office\n- [Find a VA location](https:\/\/www.va.gov\/find-locations\/)\n\n- Talk to the **Veterans Crisis Line** now\n- Contact us\n  ## Get answers\n  - [Resources and support](https:\/\/www.va.gov\/resources\/)\n  - [Contact us](https:\/\/www.va.gov\/contact-us\/)\n  ## Call us\n  - [800-698-2411](tel:18006982411)\n  - [TTY: 711](tel:711)\n  ## Visit a medical center or regional office\n  - [Find a VA location](https:\/\/www.va.gov\/find-locations\/)\n- Veteran programs and services\n  - [Homeless Veterans](https:\/\/www.va.gov\/homeless\/)\n  - [Women Veterans](https:\/\/www.va.gov\/womenvet\/)\n  - [Minority Veterans](https:\/\/www.va.gov\/centerforminorityveterans\/)\n  - [PTSD](https:\/\/www.ptsd.va.gov\/)\n  - [Mental health](https:\/\/www.mentalhealth.va.gov\/)\n  - [Adaptive sports and special events](https:\/\/department.va.gov\/veteran-sports\/)\n  - [Small business programs](https:\/\/www.va.gov\/osdbu\/)\n  - [VA outreach events](https:\/\/www.va.gov\/outreach-and-events\/events\/)\n  - [National Resource Directory](https:\/\/www.nrd.gov\/)\n- More VA resources\n  - [VA forms](https:\/\/www.va.gov\/forms\/)\n  - [VA health care access and quality](https:\/\/www.accesstocare.va.gov\/)\n  - [Get help from an accredited representative or VSO](https:\/\/www.va.gov\/get-help-from-accredited-representative)\n  - [VA mobile apps](https:\/\/www.mobile.va.gov\/appstore\/)\n  - [State Veterans Affairs offices](https:\/\/department.va.gov\/about\/state-departments-of-veterans-affairs-office-locations\/)\n  - [Doing business with VA](https:\/\/www.va.gov\/opal\/fo\/dbwva.asp)\n  - [Careers at VA](https:\/\/www.va.gov\/jobs\/)\n  - [VA outreach materials](https:\/\/www.va.gov\/outreach-and-events\/outreach-materials)\n  - [Your VA welcome kit](https:\/\/www.va.gov\/welcome-kit\/)\n- Get VA updates\n  - [VA news](https:\/\/news.va.gov\/)\n  - [Press releases](https:\/\/www.va.gov\/opa\/pressrel\/)\n  - [Email updates](https:\/\/public.govdelivery.com\/accounts\/USVA\/subscriber\/new\/)\n  - [Facebook](https:\/\/www.facebook.com\/VeteransAffairs)\n  - [Instagram](https:\/\/www.instagram.com\/deptvetaffairs\/)\n  - [X](https:\/\/x.com\/DeptVetAffairs\/)\n  - [Flickr](https:\/\/www.flickr.com\/photos\/VeteransAffairs\/)\n  - [YouTube](https:\/\/www.youtube.com\/user\/DeptVetAffairs)\n  - [All VA social media](https:\/\/digital.va.gov\/web-governance\/social-media\/social-media-sites\/)\n- ## Language assistance\n  - [Español](https:\/\/www.va.gov\/asistencia-y-recursos-en-espanol)\n  - [Tagalog](https:\/\/www.va.gov\/tagalog-wika-mapagkukunan-at-tulong)\n  - [Other languages](https:\/\/www.va.gov\/resources\/how-to-get-free-language-assistance-from-va\/)\n\n## Language assistance\n- [Español](https:\/\/www.va.gov\/asistencia-y-recursos-en-espanol)\n- [Tagalog](https:\/\/www.va.gov\/tagalog-wika-mapagkukunan-at-tulong)\n- [Other languages](https:\/\/www.va.gov\/resources\/how-to-get-free-language-assistance-from-va\/)\n\n[![VA logo and Seal, U.S. Department of Veterans Affairs](https:\/\/www.va.gov\/img\/homepage\/va-logo-white.png)](https:\/\/www.va.gov\/ \"Go to VA.gov\")\n\n- [Accessibility](https:\/\/www.va.gov\/accessibility-at-va)\n- [Civil Rights](https:\/\/www.va.gov\/resources\/your-civil-rights-and-how-to-file-a-discrimination-complaint\/)\n- [Freedom of Information Act (FOIA)](https:\/\/department.va.gov\/foia\/)\n- [Harassment](https:\/\/www.va.gov\/report-harassment\/)\n- [Office of Inspector General](https:\/\/www.va.gov\/oig\/)\n- [Plain language](https:\/\/www.va.gov\/opa\/Plain_Language.asp)\n- [Privacy, policies, and legal information](https:\/\/www.va.gov\/privacy-policy\/)\n- [VA Privacy Service](https:\/\/www.oprm.va.gov\/)\n- [No FEAR Act Data](https:\/\/www.va.gov\/ORM\/NoFEAR_Select.asp)\n- [USA.gov](https:\/\/www.usa.gov\/)\n- [VA performance dashboard](https:\/\/www.va.gov\/performance-dashboard\/)\n- [Veterans Portrait Project](https:\/\/www.va.gov\/veterans-portrait-project\/)\n\n### We’re here anytime, day or night – 24\/7\nIf you are a Veteran in crisis or concerned about one, connect with our caring, qualified responders for confidential help. Many of them are Veterans themselves.\n\n- [Call **988 and select 1**](tel:988)\n- [Text **838255**](sms:838255)\n- [Start a confidential chat](https:\/\/www.veteranscrisisline.net\/get-help-now\/chat\/)\n- [For TTY, call **711 then 988**](tel:711)\n\nGet more resources at [VeteransCrisisLine.net](https:\/\/www.veteranscrisisline.net\/).","attrs_readable_markdown":"Learn about VA home loan eligibility requirements for a VA direct loan (Native American Direct Loan) or a VA-backed loan. Find out how to request a Certificate of Eligibility (COE) to show your lender that you qualify based on your service history and duty status. To get financing for a VA-backed home loan, you must meet credit, income, and occupancy requirements from both the VA and your lender.\n\nCan I get a COE for a Native American Direct Loan or a VA-backed home loan?\n\nYou may be able to get a COE if you meet the minimum active-duty service requirements for your service period or were discharged under a qualifying exception.\n\n## Minimum active-duty service requirements\n### For service members\nIf you’ve served for at least 90 continuous days (all at once, without a break in service), you meet the minimum active-duty service requirement.\n\n### For Veterans\nThe minimum active-duty service requirements depend on when you served.\n\n#### When did you serve?\n\n##### Between August 2, 1990, and the present (Gulf War period to present)\nYou meet the minimum active-duty service requirement if you served for:\n\n- At least 24 continuous months, **or**\n- The full period (at least 90 days) for which you were called or ordered to active duty, **or**\n- At least 90 days if you were discharged under a qualifying exception ([check the qualifying exceptions](https:\/\/www.va.gov\/housing-assistance\/home-loans\/eligibility\/#what-if-i-dont-meet-the-minimu)), **or**\n- Less than 90 days if you were discharged for a service-connected disability\n\n##### Between September 8, 1980, and August 1, 1990\nYou meet the minimum active-duty service requirement if you served for:\n\n- At least 24 continuous months, **or**\n- The full period (at least 181 days) for which you were called to active duty, **or**\n- At least 181 days if you were discharged under a qualifying exception ([check the qualifying exceptions](https:\/\/www.va.gov\/housing-assistance\/home-loans\/eligibility\/#what-if-i-dont-meet-the-minimu)), **or**\n- Less than 181 days if you were discharged for a service-connected disability\n\n##### Between October 17, 1981, and August 1, 1990, as an officer\nYou meet the minimum active-duty service requirement if you served for:\n\n- At least 24 continuous months, **or**\n- The full period (at least 181 days) for which you were called to active duty, **or**\n- At least 181 days if you were discharged under a qualifying exception ([check the qualifying exceptions](https:\/\/www.va.gov\/housing-assistance\/home-loans\/eligibility\/#what-if-i-dont-meet-the-minimu)), **or**\n- Less than 181 days if you were discharged for a service-connected disability\n\n##### Between May 8, 1975, and September 7, 1980 (post-Vietnam War period)\nYou meet the minimum active-duty service requirement if you served for:\n\n- 181 continuous days, **or**\n- Less than 181 days if you were discharged for a service-connected disability\n\n##### Between May 8, 1975, and October 16, 1981, as an officer\nYou meet the minimum active-duty service requirement if you served for:\n\n- 181 continuous days, **or**\n- Less than 181 days if you were discharged for a service-connected disability\n\n##### Between August 5, 1964, and May 7, 1975 (Vietnam War)\nYou meet the minimum active-duty service requirement if you served for:\n\n- At least 90 total days, **or**\n- Less than 90 days if you were discharged for a service-connected disability\n\n##### Between November 1, 1955, and May 7, 1975, in the Republic of Vietnam\nYou meet the minimum active-duty service requirement if you served for:\n\n- At least 90 total days, **or**\n- Less than 90 days if you were discharged for a service-connected disability\n\n##### Between February 1, 1955, and August 4, 1964 (post-Korean War period)\nYou meet the minimum active-duty service requirement if you served for:\n\n- At least 181 total days, **or**\n- Less than 181 days if you were discharged for a service-connected disability\n\n##### Between June 27, 1950, and January 31, 1955 (Korean War)\nYou meet the minimum active-duty service requirement if you served for:\n\n- At least 90 total days, **or**\n- Less than 90 days if you were discharged for a service-connected disability\n\n##### Between July 26, 1947, and June 26, 1950 (post-WWII period)\nYou meet the minimum active-duty service requirement if you served for:\n\n- At least 181 continuous days, **or**\n- Less than 181 days if you were discharged for a service-connected disability\n\n##### Between September 16, 1940, and July 25, 1947 (WWII)\nYou meet the minimum active-duty service requirement if you served for:\n\n- At least 90 total days, **or**\n- Less than 90 days if you were discharged for a service-connected disability\n\n### For National Guard members\nYou meet the minimum active-duty service requirement if you served for:\n\n- At least 90 days of non-training active-duty Title 10 service, **or**\n- At least 90 days of active-duty service including at least 30 consecutive days (your DD214 must show 32 USC sections 316, 502, 503, 504, or 505 activation), **or**\n- 6 creditable years in the National Guard, and you continue to serve, **or**\n- 6 creditable years in the National Guard and you were discharged honorably or placed on the retired list\n\n### For Reserve members\nYou meet the minimum length of service requirement if you served for:\n\n- At least 90 days of non-training active-duty service, **or**\n- 6 creditable years in the Selected Reserve, and you continue to serve, **or**\n- 6 creditable years in the Selected Reserve and you were discharged honorably or placed on the retired list\n\nHow do I request a COE?\n\nWhat if I don’t meet the minimum service requirements?\n\nYou may still be able to get a COE if you were discharged under one of the qualifying exceptions listed here. You can apply, and we’ll review your service records to determine if you qualify for a COE.\n\n**You must have been discharged under one of these exceptions:**\n\n- Hardship, **or**\n- The convenience of the government (you must have served at least 20 months of a 2-year enlistment), **or**\n- Early out (you must have served 21 months of a 2-year enlistment), **or**\n- Involuntary reduction in force, **or**\n- Certain medical conditions, **or**\n- A service-connected disability (a disability related to your military service)\n\nWhat should I do if I received an other than honorable, bad conduct, or dishonorable discharge?\n\nCan I get a COE as a surviving spouse?\n\nYou may be able to get a COE if you’re a surviving spouse and one of these is true for you:\n\n- You’re eligible for or currently receiving certain types of VA Dependency and Indemnity Compensation (DIC), **or**\n- You’re the spouse of an active-duty service member who’s missing in action (MIA) or being held as a prisoner of war (POW)\n\n[Find out how to request a COE as a surviving spouse](https:\/\/www.va.gov\/family-and-caregiver-benefits\/housing-assistance\/surviving-spouse-home-loan \"Home loans for surviving spouses\")\n\nCan I get a COE in any other situations?\n\nYou may be able to get a COE if you meet at least one of these requirements.\n\n**At least one of these must be true:**\n\n- You’re a U.S. citizen who served in the Armed Forces of a government allied with the U.S. in World War II, **or**\n- You served as a member in certain organizations\n\n**These roles in organizations can include:**\n\n- Public Health Service officer\n- Cadet at the United States Military, Air Force, or Coast Guard Academy\n- Midshipman at the United States Naval Academy\n- Officer of the National Oceanic and Atmospheric Administration\n- Merchant seaman during World War II\n\nCan I reuse my COE?\n\nYou may be able to restore an entitlement you used in the past to buy another home with a VA Native American Direct Loan or VA-backed loan if you meet at least one of these requirements and continue to meet the eligibility requirements listed on this page.\n\n**At least one of these must be true:**\n\n- You’ve sold the home you bought with the prior loan and have paid that loan in full, **or**\n- A qualified Veteran-transferee agrees to assume your loan and substitute their entitlement for the same amount of entitlement you used originally, **or**\n- You’ve repaid your prior loan in full, but haven’t sold the home you bought with that loan (you can only do this once)\n\nYou can request a COE with an entitlement restoration online. You can also ask your lender to submit an online application for you, or you can fill out a Request for a Certificate of Eligibility (VA Form 26-1880) and send it to the VA address listed on the form.\n\nIf you don't meet at least one of the requirements to restore the entitlement you used in the past, you may still have remaining entitlement to buy or refinance another home with a VA Native American Direct Loan or VA-backed loan.\n\n[Get VA Form 26-1880 to download](https:\/\/www.va.gov\/forms\/26-1880 \"About VA Form 26-1880\")\n\nWhat if I have questions about my eligibility?\n\nIf you have any questions about your eligibility for a VA home loan, call VA Loan Guaranty Service at  (TTY: 711). We’re here Monday through Friday, 8:00 a.m. to 6:00 p.m. ET.\n\nYou can also submit your questions online through the Loan Guaranty support portal. You’ll need to sign in or create an account first.  \n[Go to our Loan Guaranty support portal](https:\/\/yourit.va.gov\/csp)","meta_canonical":null}

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URL	https://www.va.gov/housing-assistance/home-loans/eligibility/
Last Crawled	2026-03-31 17:53:55 (12 days ago)
First Indexed	2018-12-19 16:41:58 (7 years ago)
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Meta Title	Eligibility For VA Home Loan Programs \| Veterans Affairs
Meta Description	Learn about VA home loan eligibility requirements for a VA direct loan (Native American Direct Loan) or a VA-backed loan. Find out how to request a Certificate of Eligibility (COE) to show your lender that you qualify based on your service history and duty status. To get financing for a VA-backed home loan, you must meet credit, income, and occupancy requirements from both the VA and your lender.
Meta Canonical	null
Boilerpipe Text	Learn about VA home loan eligibility requirements for a VA direct loan (Native American Direct Loan) or a VA-backed loan. Find out how to request a Certificate of Eligibility (COE) to show your lender that you qualify based on your service history and duty status. To get financing for a VA-backed home loan, you must meet credit, income, and occupancy requirements from both the VA and your lender. Can I get a COE for a Native American Direct Loan or a VA-backed home loan? You may be able to get a COE if you meet the minimum active-duty service requirements for your service period or were discharged under a qualifying exception. Minimum active-duty service requirements For service members If you’ve served for at least 90 continuous days (all at once, without a break in service), you meet the minimum active-duty service requirement. For Veterans The minimum active-duty service requirements depend on when you served. When did you serve? Between August 2, 1990, and the present (Gulf War period to present) You meet the minimum active-duty service requirement if you served for: At least 24 continuous months, or The full period (at least 90 days) for which you were called or ordered to active duty, or At least 90 days if you were discharged under a qualifying exception ( check the qualifying exceptions ), or Less than 90 days if you were discharged for a service-connected disability Between September 8, 1980, and August 1, 1990 You meet the minimum active-duty service requirement if you served for: At least 24 continuous months, or The full period (at least 181 days) for which you were called to active duty, or At least 181 days if you were discharged under a qualifying exception ( check the qualifying exceptions ), or Less than 181 days if you were discharged for a service-connected disability Between October 17, 1981, and August 1, 1990, as an officer You meet the minimum active-duty service requirement if you served for: At least 24 continuous months, or The full period (at least 181 days) for which you were called to active duty, or At least 181 days if you were discharged under a qualifying exception ( check the qualifying exceptions ), or Less than 181 days if you were discharged for a service-connected disability Between May 8, 1975, and September 7, 1980 (post-Vietnam War period) You meet the minimum active-duty service requirement if you served for: 181 continuous days, or Less than 181 days if you were discharged for a service-connected disability Between May 8, 1975, and October 16, 1981, as an officer You meet the minimum active-duty service requirement if you served for: 181 continuous days, or Less than 181 days if you were discharged for a service-connected disability Between August 5, 1964, and May 7, 1975 (Vietnam War) You meet the minimum active-duty service requirement if you served for: At least 90 total days, or Less than 90 days if you were discharged for a service-connected disability Between November 1, 1955, and May 7, 1975, in the Republic of Vietnam You meet the minimum active-duty service requirement if you served for: At least 90 total days, or Less than 90 days if you were discharged for a service-connected disability Between February 1, 1955, and August 4, 1964 (post-Korean War period) You meet the minimum active-duty service requirement if you served for: At least 181 total days, or Less than 181 days if you were discharged for a service-connected disability Between June 27, 1950, and January 31, 1955 (Korean War) You meet the minimum active-duty service requirement if you served for: At least 90 total days, or Less than 90 days if you were discharged for a service-connected disability Between July 26, 1947, and June 26, 1950 (post-WWII period) You meet the minimum active-duty service requirement if you served for: At least 181 continuous days, or Less than 181 days if you were discharged for a service-connected disability Between September 16, 1940, and July 25, 1947 (WWII) You meet the minimum active-duty service requirement if you served for: At least 90 total days, or Less than 90 days if you were discharged for a service-connected disability For National Guard members You meet the minimum active-duty service requirement if you served for: At least 90 days of non-training active-duty Title 10 service, or At least 90 days of active-duty service including at least 30 consecutive days (your DD214 must show 32 USC sections 316, 502, 503, 504, or 505 activation), or 6 creditable years in the National Guard, and you continue to serve, or 6 creditable years in the National Guard and you were discharged honorably or placed on the retired list For Reserve members You meet the minimum length of service requirement if you served for: At least 90 days of non-training active-duty service, or 6 creditable years in the Selected Reserve, and you continue to serve, or 6 creditable years in the Selected Reserve and you were discharged honorably or placed on the retired list How do I request a COE? What if I don’t meet the minimum service requirements? You may still be able to get a COE if you were discharged under one of the qualifying exceptions listed here. You can apply, and we’ll review your service records to determine if you qualify for a COE. You must have been discharged under one of these exceptions: Hardship, or The convenience of the government (you must have served at least 20 months of a 2-year enlistment), or Early out (you must have served 21 months of a 2-year enlistment), or Involuntary reduction in force, or Certain medical conditions, or A service-connected disability (a disability related to your military service) What should I do if I received an other than honorable, bad conduct, or dishonorable discharge? Can I get a COE as a surviving spouse? You may be able to get a COE if you’re a surviving spouse and one of these is true for you: You’re eligible for or currently receiving certain types of VA Dependency and Indemnity Compensation (DIC), or You’re the spouse of an active-duty service member who’s missing in action (MIA) or being held as a prisoner of war (POW) Find out how to request a COE as a surviving spouse Can I get a COE in any other situations? You may be able to get a COE if you meet at least one of these requirements. At least one of these must be true: You’re a U.S. citizen who served in the Armed Forces of a government allied with the U.S. in World War II, or You served as a member in certain organizations These roles in organizations can include: Public Health Service officer Cadet at the United States Military, Air Force, or Coast Guard Academy Midshipman at the United States Naval Academy Officer of the National Oceanic and Atmospheric Administration Merchant seaman during World War II Can I reuse my COE? You may be able to restore an entitlement you used in the past to buy another home with a VA Native American Direct Loan or VA-backed loan if you meet at least one of these requirements and continue to meet the eligibility requirements listed on this page. At least one of these must be true: You’ve sold the home you bought with the prior loan and have paid that loan in full, or A qualified Veteran-transferee agrees to assume your loan and substitute their entitlement for the same amount of entitlement you used originally, or You’ve repaid your prior loan in full, but haven’t sold the home you bought with that loan (you can only do this once) You can request a COE with an entitlement restoration online. You can also ask your lender to submit an online application for you, or you can fill out a Request for a Certificate of Eligibility (VA Form 26-1880) and send it to the VA address listed on the form. If you don't meet at least one of the requirements to restore the entitlement you used in the past, you may still have remaining entitlement to buy or refinance another home with a VA Native American Direct Loan or VA-backed loan. Get VA Form 26-1880 to download What if I have questions about my eligibility? If you have any questions about your eligibility for a VA home loan, call VA Loan Guaranty Service at (TTY: 711). We’re here Monday through Friday, 8:00 a.m. to 6:00 p.m. ET. You can also submit your questions online through the Loan Guaranty support portal. You’ll need to sign in or create an account first. Go to our Loan Guaranty support portal
Markdown	[Skip to Content](https://www.va.gov/housing-assistance/home-loans/eligibility/#content) ![U.S. flag](https://s3-us-gov-west-1.amazonaws.com/content.www.va.gov/img/tiny-usa-flag.png) An official website of the United States government Here’s how you know ![Dot gov](https://s3-us-gov-west-1.amazonaws.com/content.www.va.gov/img/icon-dot-gov.svg) The .gov means it’s official. Federal government websites often end in .gov or .mil. Before sharing sensitive information, make sure you're on a federal government site. ![SSL](https://s3-us-gov-west-1.amazonaws.com/content.www.va.gov/img/icon-https.svg) The site is secure. The https:// ensures that you're connecting to the official website and that any information you provide is encrypted and sent securely. 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Search [Contact us](https://www.va.gov/contact-us/) - [Home](https://www.va.gov/) - VA Benefits and Health Care - About VA - [Find a VA Location](https://www.va.gov/find-locations/) - [My VA](https://www.va.gov/my-va/) - [My HealtheVet](https://www.va.gov/my-health/) Housing assistance [VA-backed home loans](https://www.va.gov/housing-assistance/home-loans) - [Loan types](https://www.va.gov/housing-assistance/home-loans/loan-types) - [Purchase loan](https://www.va.gov/housing-assistance/home-loans/loan-types/purchase-loan) - [Native American Direct Loan](https://www.va.gov/housing-assistance/home-loans/loan-types/native-american-direct-loan) - [Interest rate reduction refinance loan](https://www.va.gov/housing-assistance/home-loans/loan-types/interest-rate-reduction-loan) - [Cash-out refinance loan](https://www.va.gov/housing-assistance/home-loans/loan-types/cash-out-loan) - [Eligibility](https://www.va.gov/housing-assistance/home-loans/eligibility) - [How to request a COE](https://www.va.gov/housing-assistance/home-loans/how-to-request-coe) - [Request a COE online](https://www.va.gov/housing-assistance/home-loans/request-coe-form-26-1880) - [Check your COE status](https://www.va.gov/housing-assistance/home-loans/check-coe-status) - [Check claim, decision review, or appeal status](https://www.va.gov/claim-or-appeal-status) - [Request a decision review](https://www.va.gov/decision-reviews) - [Home loan limits](https://www.va.gov/housing-assistance/home-loans/loan-limits) - [Funding fee and closing costs](https://www.va.gov/housing-assistance/home-loans/funding-fee-and-closing-costs) - [Find VA-acquired properties](https://www.benefits.va.gov/homeloans/realtors_property_mgmt.asp) - [Buying a home with a VA-backed loan](https://www.va.gov/housing-assistance/home-loans/home-buying-process) - [Warning about refinancing offers](https://news.va.gov/43234/va-and-the-consumer-financial-protection-bureau-warn-against-home-loan-refinancing-offers-that-sound-too-good-to-be-true/) - [Guidance on natural disasters](https://www.benefits.va.gov/HOMELOANS/documents/docs/va_policy_regarding_natural_disasters.pdf) - [VA help to avoid foreclosure](https://www.va.gov/housing-assistance/home-loans/trouble-making-payments) In this section # Eligibility for VA home loan programs Learn about VA home loan eligibility requirements for a VA direct loan (Native American Direct Loan) or a VA-backed loan. Find out how to request a Certificate of Eligibility (COE) to show your lender that you qualify based on your service history and duty status. To get financing for a VA-backed home loan, you must meet credit, income, and occupancy requirements from both the VA and your lender. ## Can I get a COE for a Native American Direct Loan or a VA-backed home loan? You may be able to get a COE if you meet the minimum active-duty service requirements for your service period or were discharged under a qualifying exception. ## Minimum active-duty service requirements ### For service members If you’ve served for at least 90 continuous days (all at once, without a break in service), you meet the minimum active-duty service requirement. ### For Veterans The minimum active-duty service requirements depend on when you served. #### When did you serve? ##### Between August 2, 1990, and the present (Gulf War period to present) You meet the minimum active-duty service requirement if you served for: - At least 24 continuous months, or - The full period (at least 90 days) for which you were called or ordered to active duty, or - At least 90 days if you were discharged under a qualifying exception ([check the qualifying exceptions](https://www.va.gov/housing-assistance/home-loans/eligibility/#what-if-i-dont-meet-the-minimu)), or - Less than 90 days if you were discharged for a service-connected disability ##### Between September 8, 1980, and August 1, 1990 You meet the minimum active-duty service requirement if you served for: - At least 24 continuous months, or - The full period (at least 181 days) for which you were called to active duty, or - At least 181 days if you were discharged under a qualifying exception ([check the qualifying exceptions](https://www.va.gov/housing-assistance/home-loans/eligibility/#what-if-i-dont-meet-the-minimu)), or - Less than 181 days if you were discharged for a service-connected disability ##### Between October 17, 1981, and August 1, 1990, as an officer You meet the minimum active-duty service requirement if you served for: - At least 24 continuous months, or - The full period (at least 181 days) for which you were called to active duty, or - At least 181 days if you were discharged under a qualifying exception ([check the qualifying exceptions](https://www.va.gov/housing-assistance/home-loans/eligibility/#what-if-i-dont-meet-the-minimu)), or - Less than 181 days if you were discharged for a service-connected disability ##### Between May 8, 1975, and September 7, 1980 (post-Vietnam War period) You meet the minimum active-duty service requirement if you served for: - 181 continuous days, or - Less than 181 days if you were discharged for a service-connected disability ##### Between May 8, 1975, and October 16, 1981, as an officer You meet the minimum active-duty service requirement if you served for: - 181 continuous days, or - Less than 181 days if you were discharged for a service-connected disability ##### Between August 5, 1964, and May 7, 1975 (Vietnam War) You meet the minimum active-duty service requirement if you served for: - At least 90 total days, or - Less than 90 days if you were discharged for a service-connected disability ##### Between November 1, 1955, and May 7, 1975, in the Republic of Vietnam You meet the minimum active-duty service requirement if you served for: - At least 90 total days, or - Less than 90 days if you were discharged for a service-connected disability ##### Between February 1, 1955, and August 4, 1964 (post-Korean War period) You meet the minimum active-duty service requirement if you served for: - At least 181 total days, or - Less than 181 days if you were discharged for a service-connected disability ##### Between June 27, 1950, and January 31, 1955 (Korean War) You meet the minimum active-duty service requirement if you served for: - At least 90 total days, or - Less than 90 days if you were discharged for a service-connected disability ##### Between July 26, 1947, and June 26, 1950 (post-WWII period) You meet the minimum active-duty service requirement if you served for: - At least 181 continuous days, or - Less than 181 days if you were discharged for a service-connected disability ##### Between September 16, 1940, and July 25, 1947 (WWII) You meet the minimum active-duty service requirement if you served for: - At least 90 total days, or - Less than 90 days if you were discharged for a service-connected disability ### For National Guard members You meet the minimum active-duty service requirement if you served for: - At least 90 days of non-training active-duty Title 10 service, or - At least 90 days of active-duty service including at least 30 consecutive days (your DD214 must show 32 USC sections 316, 502, 503, 504, or 505 activation), or - 6 creditable years in the National Guard, and you continue to serve, or - 6 creditable years in the National Guard and you were discharged honorably or placed on the retired list ### For Reserve members You meet the minimum length of service requirement if you served for: - At least 90 days of non-training active-duty service, or - 6 creditable years in the Selected Reserve, and you continue to serve, or - 6 creditable years in the Selected Reserve and you were discharged honorably or placed on the retired list ## How do I request a COE? You can request a COE online right now, or you can ask your lender to submit an online application for you. [Request a COE](https://www.va.gov/housing-assistance/home-loans/request-coe-form-26-1880) [Learn more about how to request a COE](https://www.va.gov/housing-assistance/home-loans/how-to-request-coe "How to request a VA home loan Certificate of Eligibility (COE)") ## What if I don’t meet the minimum service requirements? You may still be able to get a COE if you were discharged under one of the qualifying exceptions listed here. You can apply, and we’ll review your service records to determine if you qualify for a COE. You must have been discharged under one of these exceptions: - Hardship, or - The convenience of the government (you must have served at least 20 months of a 2-year enlistment), or - Early out (you must have served 21 months of a 2-year enlistment), or - Involuntary reduction in force, or - Certain medical conditions, or - A service-connected disability (a disability related to your military service) ## What should I do if I received an other than honorable, bad conduct, or dishonorable discharge? If you’ve received an other than honorable, bad conduct, or dishonorable discharge, you may not be eligible for VA benefits. You can apply, and we’ll review your service records to determine if you qualify for a COE. There are 2 ways you can try to qualify: - Apply for a discharge upgrade - Ask for a VA Character of Discharge review [Learn about applying for a discharge upgrade and requesting a Character of Discharge review](https://www.va.gov/discharge-upgrade-instructions/introduction/) ## Can I get a COE as a surviving spouse? You may be able to get a COE if you’re a surviving spouse and one of these is true for you: - You’re eligible for or currently receiving certain types of VA Dependency and Indemnity Compensation (DIC), or - You’re the spouse of an active-duty service member who’s missing in action (MIA) or being held as a prisoner of war (POW) [Find out how to request a COE as a surviving spouse](https://www.va.gov/family-and-caregiver-benefits/housing-assistance/surviving-spouse-home-loan "Home loans for surviving spouses") ## Can I get a COE in any other situations? You may be able to get a COE if you meet at least one of these requirements. At least one of these must be true: - You’re a U.S. citizen who served in the Armed Forces of a government allied with the U.S. in World War II, or - You served as a member in certain organizations These roles in organizations can include: - Public Health Service officer - Cadet at the United States Military, Air Force, or Coast Guard Academy - Midshipman at the United States Naval Academy - Officer of the National Oceanic and Atmospheric Administration - Merchant seaman during World War II ## Can I reuse my COE? You may be able to restore an entitlement you used in the past to buy another home with a VA Native American Direct Loan or VA-backed loan if you meet at least one of these requirements and continue to meet the eligibility requirements listed on this page. At least one of these must be true: - You’ve sold the home you bought with the prior loan and have paid that loan in full, or - A qualified Veteran-transferee agrees to assume your loan and substitute their entitlement for the same amount of entitlement you used originally, or - You’ve repaid your prior loan in full, but haven’t sold the home you bought with that loan (you can only do this once) You can request a COE with an entitlement restoration online. You can also ask your lender to submit an online application for you, or you can fill out a Request for a Certificate of Eligibility (VA Form 26-1880) and send it to the VA address listed on the form. If you don't meet at least one of the requirements to restore the entitlement you used in the past, you may still have remaining entitlement to buy or refinance another home with a VA Native American Direct Loan or VA-backed loan. [Get VA Form 26-1880 to download](https://www.va.gov/forms/26-1880 "About VA Form 26-1880") ## What if I have questions about my eligibility? If you have any questions about your eligibility for a VA home loan, call VA Loan Guaranty Service at (TTY: 711). We’re here Monday through Friday, 8:00 a.m. to 6:00 p.m. ET. You can also submit your questions online through the Loan Guaranty support portal. You’ll need to sign in or create an account first. [Go to our Loan Guaranty support portal](https://yourit.va.gov/csp) ## Get more information - [Learn more about VA home loan guaranty benefits](https://www.benefits.va.gov/homeloans/index.asp) - [Play a video about the costs of home ownership (YouTube)](https://www.youtube.com/watch?v=vYr5QVwL1Ow&list=PLA93A5833057D78B7&index=7) - [Check out the Consumer Financial Protection Bureau’s home loan toolkit (PDF)](https://files.consumerfinance.gov/f/201503_cfpb_your-home-loan-toolkit-web.pdf) ## Loan options - ### Looking to buy a home? Find out if you can get a VA-backed purchase loan and get better terms than with a private lender loan. - ### Have an existing VA home loan? Find out if you can get a VA-backed IRRRL to help reduce your monthly payments or make them more stable. - ### Want to take cash out of your home equity to pay off debt, pay for school, or take care of other needs? Find out if you can get a VA-backed cash-out refinance loan. - ### Are you a Native American Veteran or a Veteran married to a Native American? Find out if you can get a loan through our NADL program to buy, build, or improve a home on federal trust land. Last updated: June 12, 2025 ## Veteran programs and services - [Homeless Veterans](https://www.va.gov/homeless/) - [Women Veterans](https://www.va.gov/womenvet/) - [Minority Veterans](https://www.va.gov/centerforminorityveterans/) - [PTSD](https://www.ptsd.va.gov/) - [Mental health](https://www.mentalhealth.va.gov/) - [Adaptive sports and special events](https://department.va.gov/veteran-sports/) - [Small business programs](https://www.va.gov/osdbu/) - [VA outreach events](https://www.va.gov/outreach-and-events/events/) - [National Resource Directory](https://www.nrd.gov/) ## More VA resources - [VA forms](https://www.va.gov/forms/) - [VA health care access and quality](https://www.accesstocare.va.gov/) - [Get help from an accredited representative or VSO](https://www.va.gov/get-help-from-accredited-representative) - [VA mobile apps](https://www.mobile.va.gov/appstore/) - [State Veterans Affairs offices](https://department.va.gov/about/state-departments-of-veterans-affairs-office-locations/) - [Doing business with VA](https://www.va.gov/opal/fo/dbwva.asp) - [Careers at VA](https://www.va.gov/jobs/) - [VA outreach materials](https://www.va.gov/outreach-and-events/outreach-materials) - [Your VA welcome kit](https://www.va.gov/welcome-kit/) ## Get VA updates - [VA news](https://news.va.gov/) - [Press releases](https://www.va.gov/opa/pressrel/) - [Email updates](https://public.govdelivery.com/accounts/USVA/subscriber/new/) - [Facebook](https://www.facebook.com/VeteransAffairs) - [Instagram](https://www.instagram.com/deptvetaffairs/) - [X](https://x.com/DeptVetAffairs/) - [Flickr](https://www.flickr.com/photos/VeteransAffairs/) - [YouTube](https://www.youtube.com/user/DeptVetAffairs) - [All VA social media](https://digital.va.gov/web-governance/social-media/social-media-sites/) ## In crisis? Talk to someone now - Veterans Crisis Line ## Get answers - [Resources and support](https://www.va.gov/resources/) - [Contact us](https://www.va.gov/contact-us/) ## Call us - [800-698-2411](tel:18006982411) - [TTY: 711](tel:711) ## Visit a medical center or regional office - [Find a VA location](https://www.va.gov/find-locations/) - Talk to the Veterans Crisis Line now - Contact us ## Get answers - [Resources and support](https://www.va.gov/resources/) - [Contact us](https://www.va.gov/contact-us/) ## Call us - [800-698-2411](tel:18006982411) - [TTY: 711](tel:711) ## Visit a medical center or regional office - [Find a VA location](https://www.va.gov/find-locations/) - Veteran programs and services - [Homeless Veterans](https://www.va.gov/homeless/) - [Women Veterans](https://www.va.gov/womenvet/) - [Minority Veterans](https://www.va.gov/centerforminorityveterans/) - [PTSD](https://www.ptsd.va.gov/) - [Mental health](https://www.mentalhealth.va.gov/) - [Adaptive sports and special events](https://department.va.gov/veteran-sports/) - [Small business programs](https://www.va.gov/osdbu/) - [VA outreach events](https://www.va.gov/outreach-and-events/events/) - [National Resource Directory](https://www.nrd.gov/) - More VA resources - [VA forms](https://www.va.gov/forms/) - [VA health care access and quality](https://www.accesstocare.va.gov/) - [Get help from an accredited representative or VSO](https://www.va.gov/get-help-from-accredited-representative) - [VA mobile apps](https://www.mobile.va.gov/appstore/) - [State Veterans Affairs offices](https://department.va.gov/about/state-departments-of-veterans-affairs-office-locations/) - [Doing business with VA](https://www.va.gov/opal/fo/dbwva.asp) - [Careers at VA](https://www.va.gov/jobs/) - [VA outreach materials](https://www.va.gov/outreach-and-events/outreach-materials) - [Your VA welcome kit](https://www.va.gov/welcome-kit/) - Get VA updates - [VA news](https://news.va.gov/) - [Press releases](https://www.va.gov/opa/pressrel/) - [Email updates](https://public.govdelivery.com/accounts/USVA/subscriber/new/) - [Facebook](https://www.facebook.com/VeteransAffairs) - [Instagram](https://www.instagram.com/deptvetaffairs/) - [X](https://x.com/DeptVetAffairs/) - [Flickr](https://www.flickr.com/photos/VeteransAffairs/) - [YouTube](https://www.youtube.com/user/DeptVetAffairs) - [All VA social media](https://digital.va.gov/web-governance/social-media/social-media-sites/) - ## Language assistance - [Español](https://www.va.gov/asistencia-y-recursos-en-espanol) - [Tagalog](https://www.va.gov/tagalog-wika-mapagkukunan-at-tulong) - [Other languages](https://www.va.gov/resources/how-to-get-free-language-assistance-from-va/) ## Language assistance - [Español](https://www.va.gov/asistencia-y-recursos-en-espanol) - [Tagalog](https://www.va.gov/tagalog-wika-mapagkukunan-at-tulong) - [Other languages](https://www.va.gov/resources/how-to-get-free-language-assistance-from-va/) [![VA logo and Seal, U.S. Department of Veterans Affairs](https://www.va.gov/img/homepage/va-logo-white.png)](https://www.va.gov/ "Go to VA.gov") - [Accessibility](https://www.va.gov/accessibility-at-va) - [Civil Rights](https://www.va.gov/resources/your-civil-rights-and-how-to-file-a-discrimination-complaint/) - [Freedom of Information Act (FOIA)](https://department.va.gov/foia/) - [Harassment](https://www.va.gov/report-harassment/) - [Office of Inspector General](https://www.va.gov/oig/) - [Plain language](https://www.va.gov/opa/Plain_Language.asp) - [Privacy, policies, and legal information](https://www.va.gov/privacy-policy/) - [VA Privacy Service](https://www.oprm.va.gov/) - [No FEAR Act Data](https://www.va.gov/ORM/NoFEAR_Select.asp) - [USA.gov](https://www.usa.gov/) - [VA performance dashboard](https://www.va.gov/performance-dashboard/) - [Veterans Portrait Project](https://www.va.gov/veterans-portrait-project/) ### We’re here anytime, day or night – 24/7 If you are a Veteran in crisis or concerned about one, connect with our caring, qualified responders for confidential help. Many of them are Veterans themselves. - [Call 988 and select 1](tel:988) - [Text 838255](sms:838255) - [Start a confidential chat](https://www.veteranscrisisline.net/get-help-now/chat/) - [For TTY, call 711 then 988](tel:711) Get more resources at [VeteransCrisisLine.net](https://www.veteranscrisisline.net/).
Readable Markdown	Learn about VA home loan eligibility requirements for a VA direct loan (Native American Direct Loan) or a VA-backed loan. Find out how to request a Certificate of Eligibility (COE) to show your lender that you qualify based on your service history and duty status. To get financing for a VA-backed home loan, you must meet credit, income, and occupancy requirements from both the VA and your lender. Can I get a COE for a Native American Direct Loan or a VA-backed home loan? You may be able to get a COE if you meet the minimum active-duty service requirements for your service period or were discharged under a qualifying exception. ## Minimum active-duty service requirements ### For service members If you’ve served for at least 90 continuous days (all at once, without a break in service), you meet the minimum active-duty service requirement. ### For Veterans The minimum active-duty service requirements depend on when you served. #### When did you serve? ##### Between August 2, 1990, and the present (Gulf War period to present) You meet the minimum active-duty service requirement if you served for: - At least 24 continuous months, or - The full period (at least 90 days) for which you were called or ordered to active duty, or - At least 90 days if you were discharged under a qualifying exception ([check the qualifying exceptions](https://www.va.gov/housing-assistance/home-loans/eligibility/#what-if-i-dont-meet-the-minimu)), or - Less than 90 days if you were discharged for a service-connected disability ##### Between September 8, 1980, and August 1, 1990 You meet the minimum active-duty service requirement if you served for: - At least 24 continuous months, or - The full period (at least 181 days) for which you were called to active duty, or - At least 181 days if you were discharged under a qualifying exception ([check the qualifying exceptions](https://www.va.gov/housing-assistance/home-loans/eligibility/#what-if-i-dont-meet-the-minimu)), or - Less than 181 days if you were discharged for a service-connected disability ##### Between October 17, 1981, and August 1, 1990, as an officer You meet the minimum active-duty service requirement if you served for: - At least 24 continuous months, or - The full period (at least 181 days) for which you were called to active duty, or - At least 181 days if you were discharged under a qualifying exception ([check the qualifying exceptions](https://www.va.gov/housing-assistance/home-loans/eligibility/#what-if-i-dont-meet-the-minimu)), or - Less than 181 days if you were discharged for a service-connected disability ##### Between May 8, 1975, and September 7, 1980 (post-Vietnam War period) You meet the minimum active-duty service requirement if you served for: - 181 continuous days, or - Less than 181 days if you were discharged for a service-connected disability ##### Between May 8, 1975, and October 16, 1981, as an officer You meet the minimum active-duty service requirement if you served for: - 181 continuous days, or - Less than 181 days if you were discharged for a service-connected disability ##### Between August 5, 1964, and May 7, 1975 (Vietnam War) You meet the minimum active-duty service requirement if you served for: - At least 90 total days, or - Less than 90 days if you were discharged for a service-connected disability ##### Between November 1, 1955, and May 7, 1975, in the Republic of Vietnam You meet the minimum active-duty service requirement if you served for: - At least 90 total days, or - Less than 90 days if you were discharged for a service-connected disability ##### Between February 1, 1955, and August 4, 1964 (post-Korean War period) You meet the minimum active-duty service requirement if you served for: - At least 181 total days, or - Less than 181 days if you were discharged for a service-connected disability ##### Between June 27, 1950, and January 31, 1955 (Korean War) You meet the minimum active-duty service requirement if you served for: - At least 90 total days, or - Less than 90 days if you were discharged for a service-connected disability ##### Between July 26, 1947, and June 26, 1950 (post-WWII period) You meet the minimum active-duty service requirement if you served for: - At least 181 continuous days, or - Less than 181 days if you were discharged for a service-connected disability ##### Between September 16, 1940, and July 25, 1947 (WWII) You meet the minimum active-duty service requirement if you served for: - At least 90 total days, or - Less than 90 days if you were discharged for a service-connected disability ### For National Guard members You meet the minimum active-duty service requirement if you served for: - At least 90 days of non-training active-duty Title 10 service, or - At least 90 days of active-duty service including at least 30 consecutive days (your DD214 must show 32 USC sections 316, 502, 503, 504, or 505 activation), or - 6 creditable years in the National Guard, and you continue to serve, or - 6 creditable years in the National Guard and you were discharged honorably or placed on the retired list ### For Reserve members You meet the minimum length of service requirement if you served for: - At least 90 days of non-training active-duty service, or - 6 creditable years in the Selected Reserve, and you continue to serve, or - 6 creditable years in the Selected Reserve and you were discharged honorably or placed on the retired list How do I request a COE? What if I don’t meet the minimum service requirements? You may still be able to get a COE if you were discharged under one of the qualifying exceptions listed here. You can apply, and we’ll review your service records to determine if you qualify for a COE. You must have been discharged under one of these exceptions: - Hardship, or - The convenience of the government (you must have served at least 20 months of a 2-year enlistment), or - Early out (you must have served 21 months of a 2-year enlistment), or - Involuntary reduction in force, or - Certain medical conditions, or - A service-connected disability (a disability related to your military service) What should I do if I received an other than honorable, bad conduct, or dishonorable discharge? Can I get a COE as a surviving spouse? You may be able to get a COE if you’re a surviving spouse and one of these is true for you: - You’re eligible for or currently receiving certain types of VA Dependency and Indemnity Compensation (DIC), or - You’re the spouse of an active-duty service member who’s missing in action (MIA) or being held as a prisoner of war (POW) [Find out how to request a COE as a surviving spouse](https://www.va.gov/family-and-caregiver-benefits/housing-assistance/surviving-spouse-home-loan "Home loans for surviving spouses") Can I get a COE in any other situations? You may be able to get a COE if you meet at least one of these requirements. At least one of these must be true: - You’re a U.S. citizen who served in the Armed Forces of a government allied with the U.S. in World War II, or - You served as a member in certain organizations These roles in organizations can include: - Public Health Service officer - Cadet at the United States Military, Air Force, or Coast Guard Academy - Midshipman at the United States Naval Academy - Officer of the National Oceanic and Atmospheric Administration - Merchant seaman during World War II Can I reuse my COE? You may be able to restore an entitlement you used in the past to buy another home with a VA Native American Direct Loan or VA-backed loan if you meet at least one of these requirements and continue to meet the eligibility requirements listed on this page. At least one of these must be true: - You’ve sold the home you bought with the prior loan and have paid that loan in full, or - A qualified Veteran-transferee agrees to assume your loan and substitute their entitlement for the same amount of entitlement you used originally, or - You’ve repaid your prior loan in full, but haven’t sold the home you bought with that loan (you can only do this once) You can request a COE with an entitlement restoration online. You can also ask your lender to submit an online application for you, or you can fill out a Request for a Certificate of Eligibility (VA Form 26-1880) and send it to the VA address listed on the form. If you don't meet at least one of the requirements to restore the entitlement you used in the past, you may still have remaining entitlement to buy or refinance another home with a VA Native American Direct Loan or VA-backed loan. [Get VA Form 26-1880 to download](https://www.va.gov/forms/26-1880 "About VA Form 26-1880") What if I have questions about my eligibility? If you have any questions about your eligibility for a VA home loan, call VA Loan Guaranty Service at (TTY: 711). We’re here Monday through Friday, 8:00 a.m. to 6:00 p.m. ET. You can also submit your questions online through the Loan Guaranty support portal. You’ll need to sign in or create an account first. [Go to our Loan Guaranty support portal](https://yourit.va.gov/csp)
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