Who can use the VA Home Loan?
Active duty, National Guard, Reserves members, and even qualifying surviving spouses of veterans can take advantage of the VA home loan option. You may be eligible for a VA home loan if you meet the following minimum requirements:
Active-duty Service- served for at least 181 continuous days (90 days if during waretime).
Veteran- completed 2 years of active duty service.
Reserves and National Guard- finished 6 years of service in an active/drilling status.
Surviving Spouses- if you have not remarried and are the surviving spouse of a veteran who passed away in the line of service or from a disability related to service.