This tool screens for basic VA loan eligibility using 2026 service and credit standards. It evaluates four key factors:

• Service type & length — Active duty requires 90+ days (wartime) or 181+ days (peacetime). National Guard and Reserve members need 6+ years of service or federal activation by presidential or congressional order.
• Credit score — The VA sets no minimum, but most VA-approved lenders require 580–620. Scores of 640+ qualify with most lenders; 720+ unlocks the best rates. The 2026 conforming limit is $832,750 for borrowers with partial entitlement.
• VA entitlement — Your Certificate of Eligibility (COE) confirms how much entitlement remains. Veterans with full entitlement have no maximum loan limit and can buy without a down payment if they qualify financially.

Results are a basic eligibility screen only — not financial or legal advice, and do not constitute loan approval.