You may be eligible for a VA home loan if you have completed at least 6 credible years within your Reserve or the National Guard (you would need to act as a member of an active unit, have completed weekend drills and a 2-week training program) including one of the following services:
• If you were discharge honorably
• You were retired
• You have been transferred for Standby Reserve or part of the Ready Reserve
• You remain an active member of the Select Reserve
If you have not completed the 6-year requirement, you could qualify for a VA loan if you have received an honorable discharge with a disability.
You may qualify if you are a Veteran spouse who has not remarried, and the spousal veteran has passed while on duty or a disability related to active service.
You will be eligible if you are a spouse of a Veteran who has gone missing while in service or become a war prisoner.
You are a spouse who has survived the death of a Veteran not connected to their service and are in receipt of the Dependency Indemnity and Compensation Benefits.
The spouses of a Veteran can also apply for home loan eligibility under one of the following conditions:
- Un-remarried spouse of a Veteran who died while in active service or from a service that is connected to the disability
- Spouse of a Service member missing in action or a war prisoner.
- Surviving spouse who remarries on or after turning 57 years of age and on or after December 16, 2003
(Note: a surviving spouse who remarried before December 16, 2003, and on or after turning age 57, should have applied no later than December 15, 2004, to determine home loan eligibility. VA will deny the applications from surviving spouses who have remarried before December 6, 2003 that are received after December 15, 2004.)
- Surviving Spouses of specific disabled veterans whose disability may not be related to the cause of death