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A VA loan is an incredible benefit for veterans or active duty service members. Unfortunately, many people who are eligible to receive this benefit aren’t aware they qualify, and most of those who aren’t aware are found in the Reserve and National Guard.
Reservists and National Guard members are entitled to the same VA loan benefits as those in regular military service, with slight exception. It’s important to help these servicemen and women understand their eligibility requirements so that they too can take advantage of the benefits a VA mortgage has to offer.
In a nutshell, a VA loan is a mortgage issued by approved lenders that’s guaranteed by the federal government. It allows eligible service members and veterans to either refinance up to 100% of their home or buy a new home with no money down.
Members of the National Guard or Reserve may qualify for a VA loan if they meet one of the following qualifications:
Down Payment |
First Time Use |
Subsequent Use |
None |
2.4% |
3.3% |
5% or more (up to 10%) |
1.75% |
1.75% |
10% or more |
1.5% |
1.5% |
First Time Use |
Subsequent Use |
2.4% |
3.3% |