First United Bank & Trust

Phone: 210-619-2690

Email: JGuidry@FirstUnitedBank.com

Do I Qualify for the VA Certificate of Eligibility?

Are you wondering if you are eligible for a VA loan? Check out these eligibility guidelines to see if you meet the criteria for the VA Certificate of Eligibility.

VA Certificate of Elibility Infograph

Active Duty Military

In order to qualify for a VA Certificate of Eligibility, active duty servicemembers must have served a minimum of 90 continuous days unless served during the Gulf War, between 8/2/1990-present, which you must have served 90 total days of active service.

Veterans

Served During World War II: 9/16/1940-7/25/1947
Veterans that served during WWII must have served for 90 days total.

Served Post World War II:  7/26/1947-6/26/1950
Veterans that served after WWII until June 26, 1950 must have served at least 181 continuous days.

Served During Korean War: 6/27/1950-1/31/1955
Veterans that served during the Korean was must have served for 90 days total.

Served Post Korean War: 2/1/1955-8/4/1964
Veterans that served after the Korean must have served at least 181 continuous days.

Served in the Republic of Vietnam: (prior to official war date): 2/28/1961-5/7/1975)
Veterans that served in the Republic of Vietnam from 2/28/1961-5/7/1975 must have served 90 days total.

Served During Vietnam War: 8/5/1964-5/7/1975
Veterans that served in the Vietnam War must have served 90 days total.

Served Post Vietnam War: (Officers Only): 5/8/1975-10/16/1981
Veteran Officers that served after the Vietnam War must have served at least 181 continuous days.

Served Post Vietnam War: 5/8/1975-9/7/1980
Veterans that served after the Vietnam War must have served at least 181 continuous days.

Served Peacetime: 9/8/1980-8/1/1990 (For Officers, the start date is 10/17/1981)
Veterans that served during this time period must have served continuously for 24 months or at least 181 days for which you were called or ordered to active duty.

Served Gulf War: 8/2/1990-Present
Veterans that served during this time period must have served continuously for 24 months or at least 181 days for which you were called or ordered to active duty, unless still serving in which 90 days total is required.

 

National Guard

National Guard members must have served a minimum of 6 years and either discharged, honorably, placed on the retired list or continue to serve.

 

Reserve

Reserve members must have served a minimum of 6 years in the Selected Reserve and either discharged honorably, placed on the retired list, transferred to the Standby Reserve or an element of the Ready Reserve (only if service was characterized as honorable, or continue to serve in the Selected Reserve.

 

Spouses

Spouses may be eligible only if they are either an unremarried spouse of a veteran who passed in service or who passed due to a service related injury, a spouse of a servicemember who is missing in action or a prisoner of war, or a surviving spouse who remarries after the age of 57 (after 12/16/2003). Surviving spouses of totally disabled veterans whose disability may not have been the cause of death may be considered eligible as well under certain circumstances.

 



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Patriot Act Agreement:
In accordance with Federal regulations set forth in the USA Patriot Act, First United Bank Mortgage is required to verify the identity of any person applying for a mortgage loan to the extent reasonable and practicable, and maintain records of the information used to verify their identity. During your mortgage loan application process, we will require your name, current and past home addresses, date of birth, and other identifying information about you.