Who’s Eligible for a VA Loan?
At Simple Loans, we’re proud to serve those who’ve served us. If you’re an active-duty service member, veteran, or qualifying military spouse, a VA loan could be your ticket to homeownership — without the stress, confusion, or big down payment that usually comes with buying a home.
Let’s break down who qualifies and how this incredible program works.
First Things First — What’s a VA Loan?
A VA loan is a home loan backed by the U.S. Department of Veterans Affairs. It’s designed to make buying a home more affordable for military members and their families. With no down payment required (in most cases), flexible credit guidelines, and competitive interest rates, it’s one of the most powerful mortgage benefits available.
And the best part? At Simple Loans, we handle all the details so you don’t have to.
Who’s Eligible for a VA Loan?
You may be eligible for a VA loan if you’ve served — or are currently serving — in one of the following branches:
U.S. Army
U.S. Navy
U.S. Air Force
U.S. Marine Corps
U.S. Coast Guard
U.S. Space Force
National Guard or Reserves
Basic Service Requirements
Here’s what typically qualifies you for a VA loan:
Active-duty service members who have served at least 90 continuous days during wartime or 181 days during peacetime
Veterans with an honorable discharge who meet the same service length requirements
National Guard and Reserve members with at least 6 years of service
Surviving spouses of service members who died in the line of duty or from a service-related disability
If you’re unsure about your eligibility, don’t stress — that’s where we come in. We’ll help you request your Certificate of Eligibility (COE) and walk you through every step.
Why Choose Simple Loans for Your VA Loan
Not every lender is the same — and when it comes to VA financing, experience matters. At Simple Loans, we make the home loan process just that… simple. No jargon, no red tape — just real guidance from a team that truly cares.
We’ll help you:
Confirm your eligibility
Compare your loan options
Handle all the paperwork
Close with confidence
Whether you’re buying your first home, refinancing, or looking to use your VA benefit again, we’re here to make it easy.
Ready to Get Started?
If you’ve served our country, you’ve earned this benefit — and we’d be honored to help you use it.
Reach out to Simple Loans, Inc. today, and let’s make your next move simple.