Be an eligible veteran, active-duty service member, National Guard member, Reserve member, or qualifying surviving spouse
Obtain a Certificate of Eligibility (COE)
Meet the VA’s service requirements
Have sufficient income to cover monthly mortgage payments and other debts
Show acceptable credit history
Meet the lender’s debt-to-income requirements
Use the VA loan for a primary residence
Meet the property’s VA appraisal and minimum property requirements
Have enough funds for closing costs and related expenses
Be able to pay the VA funding fee, unless exempt