A VA loan is a mortgage loan in the United States guaranteed by the U.S. Department of Veterans Affairs (VA). In most instances no-down payment is required. The VA loan was designed to offer long-term financing to eligible American veterans or their surviving spouses (provided they do not remarry).
You may be eligible for VA financing if you:
⦁ Served in: Army, Air Force, Marines, Navy, National Guard, Coast Guard, Public Health Service
⦁ Actively Served 90 Days Minimum
⦁ Honorable Discharge or General Discharge (under honorable conditions)
⦁ Plan to use home for your Primary Residence
You May Also Be Eligible If One Of The Following Applies To You:
⦁ You were discharged for a service-connected disability
⦁ You were discharged for the convenience of the government after completing at least 20 months of a 2-year enlistment
⦁ You completed not less than 90 days (any part during wartime) or 181 continuous days (peacetime), and
A - were discharged because of a hardship, or
B - were determined to have a service-connected compensable disability, or
C - were discharged or released from active duty for a medical condition which pre-existed service and has not been determined to be service-connected, or
D - received an involuntary discharge or release from active duty for the convenience of the Government as a result of a reduction in force, or
E - were discharged or released from active duty for a physical or mental condition not characterized as a disability and not the result of misconduct but which did interfere with your performance of duty
⦁ You are an un-remarried spouse of a veteran who died while in service or from a service connected disability
⦁ You are a spouse of a serviceperson missing in action or a prisoner of war.
⦁ Individuals with service as members in certain organizations, such as Public Health Service officers, cadets/midshipmen at service academies, officers of National Oceanic and Atmospheric Administration, merchant seamen with WWII service, and others.
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