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While there are reasons for and against purchasing a home, some future homeowners do not have the option of weighing them due to an inability to secure financing.

For veterans, especially those who are relocating every couple of years, or who are forced out of service due to disabilities, the VA home loan leaves one less thing to worry about.

Who Qualifies for a VA Home Loan?

The VA loan is available to:

• Wartime veterans who have served at least 90 days of active service
• Peacetime veterans who have served at least 181 days of active service
• Reservists who have served six years
• Veterans discharged under conditions that were not dishonorable

To clarify the fourth point, if a veteran is separated from the military with a general discharge, then he or she is eligible for a VA home loan. In some cases, a veteran separated with an other than honorable (OTH) discharge also retains this benefit as well.

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