How To Buy A House Using Va Loan May 2026

: Generally, you need 90 consecutive days of active service during wartime, 181 days during peacetime, or 6 years in the National Guard or Reserves. Spouses of service members who died in the line of duty may also qualify.

The process is structured around specific federal guidelines but is completed entirely through private lenders. Following this detailed, step-by-step guide will help you navigate the process from start to finish: 🛡️ Step 1: Verify Your Eligibility

: This official document from the Department of Veterans Affairs confirms you have earned the benefit. You can apply for a COE directly on the VA.gov Portal or have your chosen lender pull it for you instantly. Buying A Home With A VA-Backed Loan | Veterans Affairs

Before looking at houses, you must prove to the lender that you qualify for the benefit.