Utah Homeownership Authority
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FAQ

Am I eligible for a VA loan?

You are typically eligible for a VA loan if you served 90 continuous days of active duty (wartime), 181 days (peacetime), 6 years in the National Guard or Reserves, or are the surviving spouse of a service member who died in the line of duty.

Tres Miller
By Tres Miller · Mortgage Banker · NMLS #217768
Reviewed June 22, 2026 · 31+ years lending in Utah
Quick Answer

You are typically eligible for a VA loan if you served 90 continuous days of active duty (wartime), 181 days (peacetime), 6 years in the National Guard or Reserves, or are the surviving spouse of a service member who died in the line of duty.

Detailed answer

Eligibility is confirmed by a Certificate of Eligibility (COE), which we pull for you. Surviving spouses, National Guard, and Reserve members all have specific service requirements. Once eligible, the VA benefit can be reused.

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