• Served 90 consecutive days of active duty during wartime • Served six years in the Reserves or National Guard • Spouse of a service member who passed away during duty or a service-related disability
A veteran’s eligibility for the VA home loan program never expires.
Surviving Spouses requirements
If a service member passes away before he or she uses the benefit of a VA loan, eligibility passes to their surviving spouse if they have not remarried and meet the following requirements: • Service member died in the line of duty • Service member died as a result of a service-connected disability • Service member has been missing in action, or a prisoner of war, for at least 90 days • Service member was a totally disabled veteran for at least 10 years prior to death, and died from any cause • Surviving spouse remarried after the age of 57, on or after December 16, 2003.
TYPES OF VA LOANS
There are several types of VA home loans available to veterans, including a VA direct loan and three VA-backed loans.
VA Direct Home Loan
A VA direct home loan is when The U.S. Department of Veterans Affairs serves as your mortgage lender. This is the only VA loan that does not involve a third party lender like a bank, credit
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