To apply for VA home loans, veterans will have to go through several different steps. Some of the steps are very similar to the process of applying for a home loan through a bank or private lender. However, some VA home loan rules are different, since they apply specifically to veterans or the surviving family members of a veteran. The veterans home loan application takes a little longer to fill out than a standard home loan application because it requires additional information regarding the veteran’s military history. Learn more about how to apply for veterans housing assistance by reading the following sections:
- Veterans Certificate of Eligibility
- Veterans home loan application
- Special grants
How can I prove my qualifications for VA home loans?
The most unique part of VA home loan rules is the rule regarding the veterans Certificate of Eligibility. The veterans’ Certificate of Eligibility is a document that proves the veteran meets all of the requirements to get assistance from the VA. The VA home loan rules require a veteran to have served for a certain amount of time before he or she can get a Certificate of Eligibility. This amount of time varies according to when a military veteran served. Veterans who are trying to apply for VA home loans only need to consider the dates that concern their military service, in order to determine if they qualify. Even with all of the different dates, most of the time served requirements are still the same.
Many of the VA home loan rules simply state the applicant must have served for either 90 total days or 181 continuous days. Some service times have shorter requirements for veterans who served in an active combat zone. VA home loan rules are much simpler for applicants who are currently serving in the military, requiring only 90 days of service in order to get a Certificate of Eligibility.
To get a veterans Certificate of Eligibility, veterans need to present some other evidence. Active duty members need to obtain a statement of service signed by a higher-ranking officer. The veterans’ home loan application requires the full name, social security number, date of birth, date of duty, total time served and name of the commanding officer. Veterans who are not currently serving will need this information from when they did serve. It is possible to request this information by submitting DD form 214.
VA home loan rules are slightly different for surviving spouses of military veterans. Surviving spouses still need information relating to the veteran, but they have to fill out different forms to get the information. Surviving spouses fill out VA Form 26-1817, and they must have the veteran’s Social Security number. If the surviving spouse is not receiving Dependency and Indemnity Compensation (DIC) benefits, he or she must fill out VA Form 21-534 and have a marriage license and death certificate of the veteran.
Learn About the Veterans Home Loan Application
The actual veterans home loan application is rather easy to complete and submit. The veteran or surviving spouse can start to apply for veterans housing assistance once they have received the Certificate of Eligibility. The first part of the application asks for very basic information about the applicant, including:
- Full name.
- Social Security number.
- Date of birth.
- Current address.
- Phone number.
Applicants who have submitted a veterans home loan application in the past will have to submit that information, along with the date the last request was submitted. This form might seem sparse, but that is largely because of how much information is already delivered when obtaining the Certificate of Eligibility.
The VA home loan application is available from a few different places. Applicants can print out the application along with any necessary forms from the internet. Another way to get access to the VA home loan application is to visit any VA lender in person. It is also possible to request any forms by mail using VA form 26-1880.
Discover How Special Grants Are Awarded
Candidates can also apply for veterans housing assistance through additional programs that work alongside the base VA housing loan. Since it is a grant and not a loan, veterans who use the Specially Adapted Housing Assistive Technology (SAHAT) program have to respond to a Notice of Funding Availability (NOFA), which is necessary to get any government grant. SAHAT is a program that helps out veterans who have received injuries while serving. Accordingly, applicants will have to submit medical documentation that shows what kind of disability they have, which in turn determines how much they can get from a grant.