What Are the Requirements of a VA Loan?
Updated 7 days ago (March 6, 2026)
You may qualify for a VA loan if one of the following applies to you:
You are a current active duty service member or a veteran who was honorably discharged. You must have completed at least 90 consecutive days of active service during wartime or 181 days of active service during peacetime.
You have served at least 6 years in the National Guard or the Selected Reserve.
You are the spouse of a service member who died in service or from a service-related disability, and you have not remarried.
The VA loan does not require a down payment or mortgage insurance. A funding fee is required to defray the cost of the loan.
Financial Disclaimer: Tellus provides this content for informational purposes only. This is not financial advice. Financial returns and mortgage terms vary based on individual circumstances and market conditions. Consult a qualified financial advisor before making financial or borrowing decisions.