Determining eligibility early in the search for a new home will help you better determine how much home you can afford, as you’ll be able to take advantage of specific home loan programs not available to the general public.
To determine eligibility, first keep in mind that the basic items needed to qualify for any mortgage still apply when applying for a VA home loan. These are:
In addition, veterans will need a valid Certificate of Eligibility (COE) To obtain this, you must meet the service requirements shown on the US Department of Veteran Affairs website. You’ll also need to have your DD214 form on hand to verify your military service and provide details on the condition of your discharge. (Learn more about the DD214, including where to get yours, here.)
Veterans must meet other eligibility requirements as well. To see the entire list of VA mortgage eligibility requirements, please refer to the home loans eligibility section on the US Department of Veterans Affairs website.
If you do qualify for a VA mortgage and would like to apply, you can start right now by filling out a quick application on the VA mortgage section of our website. If you do not, we also offer a variety of other loan programs and options. We can work with you to determine which loan option best suits your needs and guide you as you work to obtain that loan and purchase your new home.
Based in Albany and Glens Falls, we work with home buyers – including veterans – throughout all of New York State. We are proud to provide competitive loan options in order to make it possible for those who have served and protected our country to achieve the American dream of owning a home of their own.