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WHO IS ELIGIBLE?
Veterans who were discharged under conditions other than dishonorable AND who meet the service requirements are eligible for VA home loan benefits.
A veteran is eligible for VA home loan benefits if he or she has served on active duty and was discharged under conditions other than dishonorable after:
- 90 days or more during wartime, OR
- 181 continuous days or more during peacetime prior to 09/08/80.
2-Year Requirement: A greater length of service is required for a veteran who:
- enlisted after September 7, 1980, OR
- was an officer AND began service after October 16, 1981.
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These veterans must have completed either:
- at least 24 continuous months, OR
- the full period ordered to active duty, (not less than 90 days during wartime, or 181days during peacetime).
| PERIOD |
DATES |
TIME REQUIRED |
| WW II |
9/16/40-7/25/47 |
90 Days |
| Post WW II |
7/26/47-6/26/50 |
181 Days |
| Korean Conflict |
6/27/50-1/31/55 |
90 Days |
| Post-Korean Conflict |
2/01/55-8/04/64 |
181 Days |
| Vietnam Era |
8/05/64-5/07/75 |
90 Days |
| Post-Vietnam Era |
5/08/75-9/07/80 |
181 Days |
| Persian Gulf War |
8/02/90-present |
2 years, or the full period called to active duty (at least 90 days). |
RESERVES/NATIONAL GUARD
The veteran must complete a total of 6 years in the Selected Reserves or National Guard with an honorable discharge and not be otherwise eligible.
ACTIVE DUTY SERVICE PERSONNEL
A member of the military that is currently serving on active duty is eligible after having served on continuous active duty for at least 181 days (90 days during the Gulf War period) unless discharged or separated from a previous qualifying period of active duty service.
ALL OTHERS
Eligibility may be established for certain other individuals, such as the Unmarried Surviving Spouse of a veteran who died while in service or from a service connected disability, Merchant Marines, Public Health Service, WAC'S and other World War II Services, and Officers of the Coast and Geodetic Survey.
To find more information on using your home loan benefits, visit our basic loan information page.
To obtain a certificate of eligibility, visit our certificate of eligibility page.
Please contact the Houston Regional Loan Center for further information regarding the above classifications.
Telephone: 1(888)232-2571 then press 1 or
E-mail: houstonlgy@vba.va.gov
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