To get a VA loan, you must be military personnel and meet the VA’s specific service needs. For you to be eligible, you must fall in any of the following three categories:

• You are an active duty service member or an honorably discharged veteran who has 90 consecutive days of active service during wartime or 181 days of active service during peacetime.
• You have served more than six years in the National Guard or the Selected Reserve.
• You are the spouse of a service member who died in the line of duty.

When applying for a VA loan, you need to get a Certificate of Eligibility (COE) to prove to lenders that you are qualified for a VA loan.