--- title: VA Home Loan | Calculator | Rates & Requirements description: VA Loans are mortgages issued by private lenders, but partially guaranteed by the Department of Veterans Affairs. image: https://www.realized1031.com/hubfs/social-suggested-images/Realized_Glossary_Graphic-4.jpg --- [![Realized 1031 Exchange Marketplace](https://www.realized1031.com/hs-fs/hubfs/Images/Brand/Logo/Realized/Realized-Logo-Black.png?width=240&height=80&name=Realized-Logo-Black.png "Realized 1031 Logo") ](https://www.realized1031.com/) - Better Business Bureau Rating: **A+** - [FINRA BrokerCheck](https://brokercheck.finra.org/firm/summary/22333) - [Call](tel:1-877-797-1031) **(877) 797-1031** # VA Loan VA Loans are mortgages issued by private lenders, but partially guaranteed by the Department of Veterans Affairs. To be eligible to apply for a VA Loan one must meet one of the following criteria1: VA Loans are attractive to eligible members due to their favorable financing terms. In comparison to more conventional loans, VA Loans can offer little to no down-payment, and a more lenient credit score or income requirement to qualify. 1. Retrieved from [https://www.veteransunited.com/va-loans/va-home-loan-eligibility/](https://www.veteransunited.com/va-loans/va-home-loan-eligibility/) Learn Ways To Help Build Long-Term Real Estate Wealth [![Get Tips For Managing Real Estate Wealth](https://www.realized1031.com/hs-fs/hubfs/Images/UI/graphics/composites/IPWM-eBook-250c.jpg?width=250&height=250&name=IPWM-eBook-250c.jpg "Learn new ways to use real ...") ](https://www.realized1031.com/glossary/va-loan#blogform) Download eBook ---   --- ### Get Tips For Managing Real Estate Wealth ![Learn Ways To Help Build Long-Term Real Estate Wealth](https://www.realized1031.com/hs-fs/hubfs/Images/UI/graphics/composites/IPWM-eBook-550.jpg?width=550&height=650&name=IPWM-eBook-550.jpg) Learn new ways to use real estate to pursue your wealth goals. 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To be eligible to apply for a VA Loan one must meet one of the following criteria1: 90 consecutive days of active service during wartime 181 days of active service during peacetime More than 6 years of service in the National Guard or Reserve Spouses of service members who died in the line of duty, or as a result of a service-related disability VA Loans are attractive to eligible members due to their favorable financing terms. In comparison to more conventional loans, VA Loans can offer little to no down-payment, and a more lenient credit score or income requirement to qualify. 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