Va loan who can be on title

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 Requirements for VA Loan Programs?

• You have completed at least 90 days of active duty service.
• You have at least six years of service in the Reserves or National Guard .
• You have served at least 181 days of active duty service during peacetime.
• You have 90 days of cumulative service under Title 10 or Title 32. For Title 32 service, at least 30 of those days must have been consecutive.
• You’re the spouse of a military service member who died in the line of duty, or as a result of a service-related disability. (Read More: VA Loan Eligibility for Surviving Spouses)

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.  You can apply online or print out a COE request from the VA website.  If you have access to your eBenefits portal you can receive your COE confirmation in just a few minutes. If you print out your form and wait for a mail response, expect the Certificate of Eligibility to take between 4 and 6 weeks.

What If I Don’t Meet The Service Requirements for a VA Loan?

According to the VA, you may still be able to get a COE if you were discharged for one of these reasons:

• Hardship
• The convenience of the government (you must have served at least 20 months of a 2-year enlistment)
• Early out (you must have served 21 months of a 2-year enlistment),
• Reduction in force, or Certain medical conditions
• A service-connected disability (a disability related to your military service)

Find a VA Loan

The first step in a purchase or refinance with a VA loan is to get rate quotes from multiple lenders. Often, your lender will then guide you through the rest of the process, from COE to closing.

VA Loan Eligibility - The Basics

VA Home Loan: Are You Eligible?

There are five categories for VA home loan eligibility, based on your military service. Do you meet the criteria?

Verifying Eligibility for a VA Home Loan

After gathering the evidence you need, you can apply for your Certificate of Eligibility (COE) in the following ways.

10 Things to Know About VA Loan Eligibility

While it's generally left to the VA to determine eligibility, these facts can help you get the loan you earned.

Who Qualifies for the VA Home Loan?

Buying a home with a VA mortgage means financing a home purchase with no money down, relaxed credit guidelines and reduced...

VA Loan Eligibility for Surviving Spouses

Surviving spouses may be eligible for the VA loan benefit

Thousands of National Guard Members Now Eligible for VA Home Loans

Reserve and National Guard members can access the popular VA home loan benefit thanks to a change to the law.

Compare VA Loan rates with the Military.com VA Loan rate table.

You're Eligible for a VA Loan, Now What?

Documentation: What VA Lenders Are Looking For

Are You Entitled to Another VA Loan?

Getting Approved for the VA Loan You Want

Eligible Properties for VA Loans

Understanding VA Minimum Property Requirements

How Zoning Impacts VA Loan Eligibility

VA Loan Eligibility for Surviving Spouses

VA Loan Certificate of Eligibility Guide

VA Loan Income Requirements

Verifying Eligibility for a VA Home Loan

Thousands of National Guard Members Now Eligible for VA Home Loans

VA Loan Topics

• Find a VA Lender
• VA Loan Requirements
• Loan Types
• VA Loan Process
• VA Loan Questions
• VA Loan FAQ
• Home Purchase
• Streamline Refinance
• Cash Out Refinance
• VA Loan Guide
• VA Loan Calculator

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Can you have a non

Veteran's credit must be satisfactory and Veteran's income must be sufficient to repay that portion of the loan allocable to the non-Veteran. The credit of the non-Veteran must be satisfactory. However, the combined income of both borrowers can be considered in evaluating repayment ability.

Can you add someone to a VA loan?

Yes, VA loans allow co-borrowers on the loan. Acceptable co-borrowers include a Veteran and non-veteran spouse, two married Veterans where only one Veteran uses their entitlement, two married Veterans where both Veterans use their entitlement, and two non-married Veterans where both Veterans use their entitlement.