You Are Eligible For A VA Home Loan If:

  • You have had 90 days or more of active duty service during wartime
  • You have had 181 days of active duty service during peacetime
  • You were discharged for circumstances other than dishonorable
  • You are currently active duty personnel and you meet the above service requirements
  • You are the surviving spouse of a veteran who died during service or because of service-related injuries and you have not remarried.
  • Active Guard and Reserves qualify as well (call us to confirm your status)


Satisfactory recent credit history: Your credit score is not a determining factor; however, your credit history for the previous twelve months will be evaluated to make sure that you have a satisfactory history of making timely payments.

Missed payments: Recently missed rent or mortgage payments will have a greater negative impact than other types of recently missed payments.
If you have filed for bankruptcy in the past two years, you will not be disqualified automatically. However, the bankruptcy must be discharged.
You may qualify for a VA home loan even if you had a bankruptcy. If your bankruptcy was caused by circumstances beyond the control of you or your spouse, and the circumstances have been verified, you may still qualify for a VA home loan. These circumstances may include: unemployment, long-term strikes, medical bills that were not covered by insurance, and more. If you are unsure if you will qualify, you may contact a VA specialist toll free at 360-570-0106 BRENT this is my real number

Satisfactory residual income: Veteran loans require borrowers to have a certain amount of residual income left over after their mortgage payment each month.

Employment Stability: Veterans and their spouses, should they choose to be included on the loan, should have a history of stable employment for at least the past two years. Additionally, employment must be expected “to continue during the foreseeable future.” Any gaps in employment must be explained before a decision can be made.

You will need a Certificate of Eligibility to qualify for a VA loan, whether or not you are a first-time user. We can show you and help you obtain your VA Certificate.

Cornerstone Home Mortgage can connect you with a VA Home Loan Specialist who can answer all of your questions and help you with the mortgage process. Get help online or call 360-570-0106!