🏠 VA Home Loan Entitlement: Know What You’ve Earned

If you’ve served — or are currently serving — you may be eligible for one of the most powerful home financing benefits available: the VA Home Loan. With no down payment required, no private mortgage insurance, and flexible credit guidelines, this benefit can open the door to homeownership on your terms.


🪖 Who’s Eligible?

  • You may be eligible for a VA-backed home loan if you meet at least one of the following criteria:
  • You served 181 days on active duty during peacetime
  • You served at least 90 continuous days on active duty during wartime
  • You have 6 years of service in the National Guard or Reserves
  • You are the surviving spouse of a service member who died in the line of duty or from a service-connected cause
  • Need help figuring out your status? That’s where I come in with Vets Funding Connections!


📄 What’s a COE — and Why It Matters

The Certificate of Eligibility (COE) is the official document that confirms your eligibility for the VA loan benefit. If you’re not sure how to request it, I can help. We’ll screen share, walk through the process, and make sure your application is set up for success.


🧭 What We’ll Review Together

  • When you set up a free 15-minute goal exploration call with me, we’ll look at:
  • Whether you’ve used your VA loan benefit before and what entitlement remains
  • How to request or restore your Certificate of Eligibility
  • What it means to have full vs. partial entitlement
  • What the VA funding fee is — and whether it can be waived
  • How VA loan limits work if you’re planning to buy again after a previous VA loan


🏡 The Big Picture

🏗️ I Love Helping First-Time Buyers — And So Much More

  • Helping first-time homebuyers use their VA benefit is one of the most rewarding parts of what I do.
  • But your benefit doesn’t stop there. You can also use your VA loan for cash-out refinancing — whether to tap into equity or lower your monthly payments
  • And even for **construction loans** to build a home from scratch.  (Don't make the mistake of using a conventional loan for Construction loan because you will miss out on the EEARL when you move into your permanant  loan
     
    Not sure which path fits your goals? Let’s talk it through together  *Even if you’re not ready to buy right now, it’s empowering to understand what’s available to you. Knowing how your VA loan entitlement works means you’ll be ready when the time comes — whether that’s today or years from now.


📌 PS — I Also Help with Construction Loans & Non-VA Loans

While this page is focused on your VA home loan benefit, I also support clients looking to build their dream home from the ground up — and I assist with non-VA loans too. So if you or someone you know is exploring options outside the VA system, I’m still your go-to resource.


🚀 Ready to Explore or Take Action?

👉   Book a Call for an eligibility and VA home Loan overview  discussion — or if you’re ready now💵 we can jump right in and figure out your homebuying or refinancing budget for today's market  Pre-approval is the first step!  👉 Click HERE