Veterans United Through Service
VA - US Department of Veterans Affairs
Eligibility for VA Home Loan Programs
Serving Those Who Served
Homeownership Made Simple
Heroes to Homeowners
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Our simplified VA homebuying process ensures you can confidently buy your first or next home.
Veterans VA Loans
0% (Zero) Down payment
No PMI (private mortgage insurance)
Competitive Low Interest Rates
Easy to Qualify - Lifetime Benefit
VA helps Veterans, Servicemembers, and eligible surviving spouses become homeowners.
See how much you can save with the lowest average interest rate when
compared to USDA, FHA, and Conventional Loans.
Minimum active-duty service requirements
For service members
If you’ve served for at least 90 continuous days (all at once, without a break in service), you meet the minimum active-duty service requirement.
For Veterans
The minimum active-duty service requirements depend on when you served.
Between August 2, 1990 and the present
At least 24 continuous months, or
The full period (at least 90 days) for which you were called or ordered to active duty, or
At least 90 days if you were discharged for a hardship, or a reduction in force, or
Less than 90 days if you were discharged for a service-connected disability
Between September 8, 1980 and August 1, 1990
At least 24 continuous months, or
The full period (at least 181 days) for which you were called to active duty, or
At least 181 days if you were discharged for a hardship, or a reduction in
force, or
Less than 181 days if you were discharged for a service-connected disability
Between October 17, 1981 and August 1, 1990 (as an officer)
At least 24 continuous months, or
The full period (at least 181 days) for which you were called to active duty, or
At least 181 days if you were discharged for a hardship, or a reduction in
force, or
Less than 181 days if you were discharged for a service-connected disability
Between May 9, 1975 and September 7, 1980
(post - Vietnam War Period)
181 continuous days, or
Less than 181 days if you were discharged for a service-connected disability
Between May 9, 1975 and October 16, 1981 (as an officer)
181 continuous days, or
Less than 181 days if you were discharged for a service-connected disability
Between August 5, 1964 and May 7, 1975 (Vietnam War)
At least 90 total days, or
Less than 90 days if you were discharged for a service-connected disability
Between November 1, 1955 and May 7, 1975
(in the Republic of Vietnam)
At least 90 total days, or
Less than 90 days if you were discharged for a service-connected disability
Between February 1, 1955 and August 4, 1964
(post Korean War period)
At least 181 total days, or
Less than 181 days if you were discharged for a service-connected disability
Between June 27, 1950 and January 31, 1955 (Korean War)
At least 90 total days, or
Less than 90 days if you were discharged for a service-connected disability
Between July 26, 1847 and June 26, 1950 (post WWII period)
At least 181 total days, or
Less than 181 days if you were discharged for a service-connected disability
Between September 19, 1940 and July 25, 1947 (WWII)
At least 90 total days, or
Less than 90 days if you were discharged for a service-connected disability
Florida VA Home Loan Eligibility
Learn more about your Florida VA home loan eligibility requirements for a VA direct or VA-backed loan. Find out how to request a Certificate of Eligibility (COE) to show your lender that you qualify based on your service history and duty status. Keep in mind that for a VA-backed home loan, you’ll also need to meet the lender’s credit and income loan requirements to receive financing. To learn more about options in VA Loans in Jacksonville, FL read our detailed page.
How can I get a Certificate of Eligibility for a VA home loan?
You may be able to get a COE if you didn’t receive a dishonorable discharge and you meet the minimum active-duty service requirement based on when you served.
Request a VA home loan Certificate of Eligibility (COE)
Request for a Certificate of Eligibility (VA Form 26-1880)
Can I use a COE I used before?
You may be able to “restore” an entitlement you used in the past to buy another home with a VA direct or VA-backed loan if you meet at least 1 of these requirements.
At least 1 of these must be true:
You’ve sold the home you bought with the prior loan and have paid that loan in full, or
A qualified Veteran-transferee agrees to assume your loan and substitute their entitlement for the same amount of entitlement you used originally, or
You’ve repaid your prior loan in full, but haven’t sold the home you bought with that loan (you can only do this 1time)
To request an entitlement restoration, fill out a Request for a Certificate of Eligibility (VA Form 26-1880) and send it to the VA regional loan center for your state.
What if I have questions about my Florida VA Loan eligibility?
If you have any questions about your eligibility for a Florida VA home loan, please
call (863) 225-1125
or
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