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  VA Eligibility  

1. Service During War Time:
World War II September 16, 1940- July 25, 1957
Korean War June 27, 150- Jan 31, 1955
Vietnam War Aug 5, 1964 - May 7, 1975
Service Requirements:
  • At least 90 days active duty - with other than dishonorable discharge.
  • Less than 90 days active duty 0 if discharged for a service-connected disability.

    • Gulf War   Aug 2, 1990 - to be determined.
    Service Requirements:
  • 24 months continuous active duty - with other than dishonorable discharge.
  • At least 90 days full period if called or ordered to active duty - with other than dishonorable discharge.
  • At least 90 days active duty - and discharged for Hardship or Early Out or if discharged for a compensable service - connected disability.
  • Less than 90 days active duty - if discharged for a service-connected disability, involuntary reduction in force; certain medical conditions; for the convenience of the Government.

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    2. Service During Peace Time:

    All        July 26, 1947 - June 26, 1950 
                Feb 1, 1955 - Aug 4, 1964

    Enlisted        May 8, 1975-Sept 7,1980
    Officers         May 8, 1975 - Oct 1`6, 1981

    Service Requirements:
  • At least 181* days continuous active duty - with other than dishonorable discharge.
  • Less than 181 days active duty - if discharged for a service-connected disability.

    • 3. If you were separated from service:


    Enlisted       After September 7, 1980
    Officers        After October 16, 1981

    Service Requirements:
  • 24 months continuous active duty - with other than dishonoarable discharge
  • At least 181 days full period if called or ordered to active duty - with other than dishonorable discharge
  • At least 181 days active duty - and discharged for Hardship or Early Out or if discharged for a compensable service-connected disability.
  • Less than 181 days active duty - if discharged for a service-connected disability; involuntary reduction in force; certain medical conditions; for the convenience of the Government.
    *90 days applies for war time.

    • 4.  Active Duty Service Personnel

    If you are now on regular duty (not active duty for training), you are eligible after having served 181 days (90 days during the Gulf War) unless discharged or separated from a previous qualifying period of active duty service.

    5.  Selected Reserves or National Guard

    If you are not otherwise eligible and you have completed a total of 6 years in the Selected Reserves or National Guard (member of an active unit, attended required weekend drills and 2-week active duty for training) and

  • Were discharged with an honorable discharge, or
  • Were placed on the retired list, or
  • Were transferred to the Standby Reserve or an element of the Ready Reserve other than the Selected Reserve after service characterized as honorable service, or
  • Continue to serve in the Selected Reserves

    Note: Individuals who completed less than 6 years may be eligible if discharged for a service-connected disability.

    You May also be determined eligible if you:

  • Are an unremarried spouse of a veteran who died while in service
    or from a service connected disability, or
  • Are a spouse of a serviceperson missing in action or a prisoner of war
    Note: Also, a surviving spouse who remarries on or after attaining age 57, and on or after December 16, 2003, may be eligible for the home loan benefit. However, a surviving spouse who remarried before December 16, 2003, and on or after attaining age 57, must apply no later than December 15, 2004, to establish home loan eligibility. VA must deny applications from surviving spouses who remarried before December 6, 2003 that are received after December 15, 2004.

    Eligibility may also be established for:

  • Certain United States citizens who served in the armed forces
    of a government allied with the United States in WW II.
  • Individuals with service as members in certain organizations, such as:

    a.     Public Health Service officers
    b. Cadets at the United States Military, Air Force, or Coast Guard Academy
    c. Midshipmen at the United States Naval Academy
    d.Officers of National Oceanic & Atmospheric Administration
    e. Merchant seaman with WW II service, and others.

    Obtaining a Certificate of Eligibility (COE)

    VA determines your eligibility and, if qualified, a certificate of eligibility will be issued. Eligibility applications can involve:

  • An original determination of eligibility for the home loan benefit
  • A request to replace a lost certificate of eligibility
  • A request for restoration of the benefit after payment in full of a previous VA home loan
  • Issuance of a certificate reflecting a current outstanding loan for refinance purposes.
    Your Citizens Mortgage Company loan officer will assist you on obtaining a Certificate of Eligibility

    Citizens Mortgage Company will need:

    Photocopies of your most recent discharge or separation papers covering active military duty, which show active duty dates and type of discharge.

    If You Served on Regular Active Duty


      If you served on regular active duty (not a reservist) and were discharged after 1975 OR if you previously had a VA loan:   It may not be necessary for you to provide documentation of your miliatry service.  However, it is best to provide this evidence if it is readily available to avoid possible processing delays.
     

    If you were discharged
    from regular active duty


      If you were separated after January 1, 1950:   The appropriate documentation of your military service would be DD Form 214, Certificate of Release or Discharge from Active Duty.
      If you were discharged after October 1, 1979   DD Form 214, copy 4 would be appropriate.
    A photocopy of DD214 will suffice. Do not submit an original document.

    If your service was in Selected Reserves:

    You must provide documentation sufficient to establish that you served a minimum of 6 years with points earned for weekend drills or active duty for training and received an honorable discharge. Since there is no uniform document similar to DD214 for proof of service in the Selected Reserve, a number of different forms may be accepted.

    For those who served in the Army or Air National Guard and were discharged after at least 6 years of service NGB Form 22 - A copy of your latest retirement points summary will also be helpful in determining eligibility.
    Those who served in the Army, Navy, Air Force, Marine Corps or Coast Guard Reserves It may need be necessary to submit a combination of documents such as an Honorable Discharge certificate together with a Retirement Points Statement.

    If You Served on Regular Active Duty

    If you are now on regular active duty and have not been previously discharged from active duty service: You must submit a statement of service which includes the name of the issuing authority (base or command), and is signed by or at the direction of an appropriate official.
    The statement must identify you (SSN), and provide your date of entry on active duty and the duration at any time lost.
    If you remain on active Selected Reserve duty: The statement of service should be from your unit CO and should cite the length of time you have served with the reserve unit.

    If you are Seeking Restoration of Your Previously Used Benefit

  • You should include any evidence of payment in full of your prior loan (e.g., copy of HUD-1, Settlement Statement) that you have in your possession.
  • Normally VA receives notification that a loan has been paid, but this does not always happen.
  • VA determines your eligibility and if you are qualified, VA will issue you a certificate of eligibility to be used in applying for a VA loan.

    Get started! Contact Citizen's Mortgage today

    • Citizens Mortgage Company

    496 Old Route 66,
    St. Robert, MO 65584

    info@citizens.biz

    Toll Free: 800.440.2666
    Ph: 573.336.2666
    Fax: 573.336.2668

    Relocating? 
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    Fort Leonard Wood? 

    Call Citizens Mortgage Company
     for your home loan needs at
    573.336.2666 
    or
    Toll Free 1.800.440.2666

    Serving the Fort Leonard Wood,
    Waynesville and St. Robert Missouri areas.

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