{"id":11260,"date":"2018-09-18T10:00:26","date_gmt":"2018-09-18T16:00:26","guid":{"rendered":"https:\/\/www.richmondamerican.com\/blog\/?p=11260"},"modified":"2024-01-04T16:27:43","modified_gmt":"2024-01-04T23:27:43","slug":"va-loan-qualification","status":"publish","type":"post","link":"https:\/\/www.richmondamerican.com\/blog\/va-loan-qualification\/","title":{"rendered":"Who can qualify for a VA loan?"},"content":{"rendered":"<p>Zero money down.* Limited closing costs. No monthly mortgage insurance premiums. Borrower\u2019s choice of a fixed-rate or adjustable-rate mortgage. Sounds nice, right? They\u2019re all potential perks of financing your home with a VA loan, but you have to belong to a very particular subset of homebuyers in order to qualify for one. To assess your eligibility, see if any of the following criteria describes you.<\/p>\n<div style=\"background: #f5f4f3; border: 1px solid #596e6d; padding: 15px;\">\n<p style=\"padding-left: 30px;\">\u2610 Active member of the military<\/p>\n<p style=\"padding-left: 30px;\">\u2610 Military veteran<\/p>\n<p style=\"padding-left: 30px;\">\u2610 Served in the Selected Reserves or National Guard for at least 6 years<\/p>\n<p style=\"padding-left: 30px;\">\u2610 Unmarried spouse of a veteran who died on active duty, or as a result of a service-connected disability<\/p>\n<\/div>\n<p>If you can check any of the boxes above, you may be eligible for a VA loan. Other conditions may also apply, and of course you\u2019ll need to supply proof of service.<\/p>\n<h2><strong>VA stands for Veterans Affairs.<\/strong><\/h2>\n<p>Created by the federal government as a way to assist members of the military with homeownership, a VA loan is guaranteed by the Department of Veterans Affairs\u2014lowering risk for lenders and offering favorable terms to qualified buyers. Learn more at <a href=\"http:\/\/benefits.va.gov\/homeloans\/\" target=\"_blank\" rel=\"noopener noreferrer\">benefits.va.gov\/homeloans<\/a>.<\/p>\n<p><strong><br \/>\n<\/strong><em>For more on house-hunting as a military homebuyer, check out our <\/em><a href=\"https:\/\/www.richmondamerican.com\/campaigns\/9\" target=\"_blank\" rel=\"noopener noreferrer\"><em>Military Homebuyer Guide<\/em><\/a><em>.<\/em><\/p>\n<p><em>To speak with a loan offer about your home financing options, contact our affiliate, <\/em><a href=\"http:\/\/www.homeamericanmortgage.com\/?ch=online&amp;ls=Social-Site&amp;ta=Blog\" target=\"_blank\" rel=\"noopener noreferrer\"><em>HomeAmerican Mortgage Corporation<\/em><\/a><em>.<\/em><\/p>\n<p><em>\u00a0<\/em><em>*Earnest money deposit may be required.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Zero money down.* Limited closing costs. No monthly mortgage insurance premiums. Borrower\u2019s choice of a fixed-rate or adjustable-rate mortgage. Sounds nice, right? They\u2019re all potential perks of financing your home with a VA loan, but you have to belong to a very particular subset of homebuyers in order to qualify for one. To assess your [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":11265,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"ub_ctt_via":"","cybocfi_hide_featured_image":"","footnotes":""},"categories":[4],"tags":[381,201,206],"featured_image_src":"https:\/\/www.richmondamerican.com\/blog\/wp-content\/uploads\/2018\/09\/VALoanImage-1.jpg","author_info":{"display_name":"Brian Metzger","author_link":"https:\/\/www.richmondamerican.com\/blog\/author\/bmetzger2\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\r\n<title>Who can qualify for a VA loan? - Richmond American Homes Blog<\/title>\r\n<meta name=\"description\" content=\"Are you a veteran, active service member or military spouse? If so, a VA loan might be a great option to finance your next home. 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