I’m in the National Guard, am I eligible for VA home loan benefits?

Mar 21, 2024 Keith Gumbinger,HSH.com

Yes. National Guard and Reserve members may qualify for a VA home loan. According to VA.gov, for National Guard and Reserve members to be eligible for a VA home loan they must meet one of the following conditions:

You have six years of service in the Selected Reserve, AND

Were discharged honorably, OR
Were placed on the retired list, OR
Were transferred to the Standby Reserve or an element of the Ready Reserve other than the Selected Reserve after service characterized as honorable, OR

You continues to serve in the Selected Reserve longer than six years, OR
You served for 90 days or more on active duty during a wartime period, OR
You were discharged or released from active duty for a service-connected disability

VA-backed mortgage can convey a lot of benefits to a prospective homebuyer, including the ability to buy a home with no money down. To learn more about VA mortgages, VA loan qualifying and see offers from VA loan lenders, visit our VA home loans resource page.