Served 90+ consecutive days during wartime, or 181+ days during peacetime. Must have honorable or general discharge.
Currently serving with 90+ days of active service. Eligible for VA loan while still on active duty.
6+ years of service in National Guard or Selected Reserve. Federal activation of 90+ days also qualifies.
Un-remarried spouses of veterans who died in service or from service-connected disabilities may be eligible.
Cadets at military academies, officers of NOAA and Public Health Service, and certain other groups may also qualify.
We check your eligibility for free in minutes. No obligation, no credit pull. Call us or apply online and we will pull your COE.
Check NowYour Certificate of Eligibility (COE) proves to lenders that you qualify for a VA loan. We can pull your COE instantly through the VA's automated system — most veterans do not need to request it themselves.
The VA funding fee is a one-time charge that helps sustain the VA loan program. It can be financed into the loan. Disabled veterans are exempt.
Get your personalized VA rate in 60 seconds. No SSN. No credit impact.
Get Your Free Quote →FACT: VA loans close in 25-30 days on average. With Valley West, many close in 21 days — competitive with conventional timelines.
FACT: VA loan acceptance rates are comparable to conventional. A strong pre-approval letter from a reputable broker makes your offer competitive.
FACT: VA loan entitlement is reusable. You can use it multiple times throughout your life. Many veterans have used their benefit 3-4+ times.
FACT: VA minimum property requirements ensure the home is safe and sound. Most move-in-ready homes pass with no issues.
"$0 down, no PMI, lowest rate I found. Valley West closed my VA loan in 24 days."
"Third VA purchase with Valley West. They shop 50+ lenders every time. Always the best deal."
"Saved $66K over conventional. Zero fees, zero hassle. Valley West knows VA loans."
