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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.
|
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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
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