VA Loan Requirements

VA Loan Eligibility Information

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.

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 or 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.  Read more about how to obtain your Certificate of Eligibility in our guide here.

VA Loan Eligibility - The Basics

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IRRRL stands for Interest Rate Reduction Refinancing Loan,also known as a "Streamline" or a "VA to VA" loan.
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