VA Loan Requirements

Loans from the U.S. Department of Veterans Affairs (VA) are available to eligible U.S. military veterans, active duty service members, National Guard, Reservists, and surviving spouses who have not remarried. VA Loans are issued by qualified mortgage lenders and guaranteed by the VA. To qualify, typically you must have served

  • 90 consecutive days of active service during wartime OR
  • 181 consecutive days of active service during peacetime OR
  • more than six years of service in the National Guard or Reserves

Or you must be the surviving spouse of a service member who died in the line of duty or as a result of a service-related disability.

There are many benefits of VA loans for qualified veterans, service members, and surviving spouses. VA loans are flexible on credit history, requiring a FICO score of just 620 for qualification. The maximum loan amount for VA loans is $424,100, and there is no minimum down payment required. Closing costs of up to 4% may be rolled into the mortgage amount. There is no requirement for mortgage insurance.

More Loan Types


FHA/HUD loans are one of the easiest mortgage loans to qualify for, making them popular for both first-time home buyers and repeat buyers.

Conventional Loans

Conventional loans are often the best option for home buyers with a good credit score and the ability to make larger down payments.

USDA Loans

USDA loans are only available in rural areas; however, 97% of the U.S. classifies as “rural” under this loan program.

Jumbo Loans

Jumbo loans are used for mortgage loans over $424,100. A strong FICO score, generally 680 or better, is required to qualify for a jumbo loan.

Find the Right Loan for You

There are many types of loans available and understanding mortgage options can be complicated. Whether you’re a first time home buyer, looking to refinance, self-employed, military veteran, or public servant- The Tuttle Group is here to help. We’re experienced in working with people who have unique loan situations and we will help you figure out the loan program best for you.


If you’re ready to start the process or starting to think about a new home loan, fill out our quick form to get started. We’ll help answer any questions and let you know what to expect. If you’re ready to get started, we’ll do that too. Just fill out our quick form and we’ll be in touch soon.

Resources & Tools

We’ve compiled a variety of resources to help borrowers of all types make sense of the process. And when you’re ready to get started, our team is here to help.

Mortgage Loan Requirements - The Tuttle Group

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