Wisconsin VA Home Loan Eligibility & Requirements

If you are interested in purchasing a home using Veteran’s Administration (VA) benefits, there are specific VA Home Loan Requirements that you must meet in order to be eligible for the available programs. The first thing that you should know is that your benefits will be determined by the dates during which you served in the U.S. Armed Forces.

Wartime Service

If you served during World War II, the Korean War or the Vietnam War and have more than 90 days of service, you are eligible for a VA Home Loan. If you served less than 90 days as the result of being injured, this requirement may be waived.

If you served during the Gulf War or any time since August 2, 1990, you are eligible if you meet the following requirements:

  • At least two years of continuous service, or 181 days in some circumstances
  • You were not dishonorably discharged
  • You were disabled during your service period

Current Personnel

If you are currently serving as an active duty member of the U.S. Armed Forces, you meet the service component of VA Home Loan eligibility. If you have been a member of the Reserve Forces for 6 or more years, you also meet the service requirement.

Peacetime Service

If you were a member of the U.S. Armed Forces between any of the following date ranges, then you are eligible for a VA Home Loan:

  • July 26, 1947 to June 26, 1950
  • February 1, 1955 to August 4, 1964
  • May 8, 1965 to September 7, 1980 (enlisted)
  • May 8, 1965 to October 16, 1981 (officer)

Again there is a 181 day service requirement, with the exception of those injured in service. Dishonorable discharge will revoke your eligibility.

Non-Military Eligibility

Spouses of military members killed in action meet the VA Home Loan eligibility requirements. Additionally, spouse members of POWs or those missing in action are also eligible.