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VA Loan Readiness Assessment

You Served.
Now Let Your
Benefits Work.

The VA loan benefit is the most powerful zero-down mortgage in America — and it's yours. This assessment takes under 5 minutes and tells you exactly where you stand: eligible, conditionally eligible, or what's blocking you.

2,847 Veterans Helped
Avg $14,200 Saved vs. Conventional
21-Day PCS Close

Step 1 of 7

Branch of Service

+15 pts

Select your branch to begin the readiness audit:

Assessment Progress0/7 complete

Eligibility Audit

Complete each factor below. The sidebar tracks your readiness score in real time.

01
Service Record // Identity

Branch of Service

VA entitlement is branch-agnostic — but your Certificate of Eligibility pathway differs. Identify your branch to route correctly.

National Guard and Reserve members: your eligibility depends on activation orders, not just enlistment. We'll sort that out in the next section.

02
Service Record // Duration

Total Years of Service

Minimum service thresholds determine full vs. partial entitlement. Active-duty requires 90 days wartime or 181 days peacetime. Guard/Reserve requires 6 years.

0 yrs0 years30 yrs

Even if you served less than the minimum, a service-connected disability discharge may still qualify you. A loan officer will verify.

03
Service Record // Separation

Discharge Status

VA loan eligibility requires an honorable or general discharge under honorable conditions. Other Than Honorable (OTH) requires a Character of Discharge review.

Your DD-214 (Member Copy 4) is the primary document. If you don't have it, we can help you request it from the National Archives.

04
Entitlement // COE Status

VA Entitlement & COE

Your Certificate of Eligibility (COE) confirms remaining entitlement. First-time users have full entitlement ($0 down, no loan limit). Prior users may have partial or restored entitlement.

We pull COEs electronically through VA's WebLGY system — takes under 10 minutes with your SSN and service dates.

05
Financial Profile // DTI

Estimated Debt-to-Income Ratio

VA guidelines recommend DTI under 41%, but residual income thresholds often override. Higher DTI is manageable with strong residual income — we'll run both calculations.

10%10%65%

BAH (Basic Allowance for Housing) is non-taxable income — it's grossed up 25% in DTI calculations, which significantly improves your qualifying ratio vs. civilian borrowers.

06
Property // Target Asset

Property Type

VA loans are for primary residences only. The property must meet VA Minimum Property Requirements (MPRs). Condos require VA-approved project status.

Manufactured homes and investment properties are not VA-eligible. The property must be your primary residence within 60 days of closing.

07
Mission Timeline // PCS / Purchase

Purchase Timeline & Target Zip

PCS orders compress timelines — we know how to close in 21 days when orders drop. Tell us when you need to be in contract.

Pre-approval locks in your rate environment and gives you an edge in competitive markets near installations. It costs nothing and takes under an hour.

Location // Target Market

Target Purchase Zip Code

Loan limits vary by county. High-cost areas near major installations (San Diego, DC, Honolulu) have no VA loan limit with full entitlement.

5-digit ZIP · Used to determine county loan limits and matching loan officers

Complete 3 more sections to unlock

$0
Down Payment Required
Full entitlement, no county limit
0.5%
Lower Rate vs. Conventional
Average across 2025 closings
21
Days to Close — PCS Orders
When docs are clean
2,847
Veterans Served
Since 2019 · All branches