Service History
Eligibility comes from your service — active duty, Veteran, National Guard, Reserve, or an eligible surviving spouse. Your Certificate of Eligibility confirms it.
VA Loan Requirements
What a VA LoanActually Requires.
A VA loan has two sets of requirements: the VA's rules about service and the property, and the lender's review of your credit, income, and obligations. Most people are told only half the story.
Here is the whole picture, without the sales pitch.
Every loan officer on our team is a Veteran or a military spouse. Call (678) 488-0608.
The Full Picture
Military Serving Military™
The Six Areas
Where Every VA File Gets Reviewed.
Credit Review
The VA does not publish a minimum credit score. Lenders set their own overlays and look at the full credit picture, not just a number.
Income & Employment
Stable, documented income matters more than the amount. Military pay, BAH, BAS, retirement, and VA compensation are all reviewed.
Debt & Residual Income
The VA uses residual income — money left over after housing, debts, and taxes — alongside debt-to-income ratios.
Occupancy
VA financing is for a primary residence. There are specific rules for PCS moves, deployments, and spouse occupancy.
Property Condition
The home must meet VA Minimum Property Requirements and appraise. Safety, soundness, and sanitation are the core standards.
What Helps
What Strengthens a VA File.
- A Certificate of Eligibility on file, or permission for us to request it
- Two years of documented income history, including military allowances
- An explanation for any credit event rather than leaving it unaddressed
- Debt payments that leave room in your monthly budget
- A clear occupancy plan, including any upcoming PCS or report date
- A property that can reasonably meet VA Minimum Property Requirements
Common Questions
Straight Answers.No Runaround.
This page is educational and is not a loan approval, a pre-qualification, a commitment to lend, or a rate quote. Approval depends on credit, income, assets, entitlement, occupancy, property, appraisal, and underwriting. Military Mortgage LLC is a mortgage broker and is not affiliated with the U.S. Department of Veterans Affairs or any government agency. NMLS #Coming Soon — licensing in progress. Equal Housing Opportunity.
Next Step
See Where YouActually Stand.
Tell us your situation and we'll walk through the requirements that apply to you.