Can The National Guard Use the VA Loan?

Can members of the National Guard utilize the VA loan? They certainly can!

Some National Guard members might be under the misconception that because most National Guard units operate at the state level, they don’t have access to the benefits of a VA loan. Another reason they might think that is because the VA loan is typically associated with active duty members and veterans. Well, let me clear that up for you—it’s absolutely possible!

Now, the requirements have seen a few changes over time, so let’s get you up to speed. The key factor today is having served at least 90 days of active duty service. Forget the old notions of a six-year commitment; all you need is that 90-day milestone. Of course, if you’ve been rocking your National Guard uniform for six years, chances are you’re already there.

Here’s the exciting part—2020 brought a game-changing update. Previously, only Title 10 orders counted for National Guard members, leaving out the often state-funded Title 32 orders. But now, both Title 32 and Title 10 orders can pave the way for National Guard members to claim their VA loan benefits.

Now, the Title 32 orders do come with a small caveat. They need to include 30 consecutive days, which might sound tricky, but fear not. Whether your deployment was stateside or across the globe, we can help you crunch the numbers and figure it out.

After bidding farewell to the National Guard, two crucial forms come into play—NGB 22 and NGB 23. The NGB 22 contains your discharge details, while the NGB 23 clarifies your active duty service. If you’re eyeing that VA loan, these forms are your golden tickets, so keep them close.

Now, if you’ve got a Certificate of Eligibility (COE) from the VA, it’s going to help confirm your eligibility. If it’s not crystal clear, don’t worry. We’ve got your back. We’ve helped National Guard members gather their documentation sent to the VA to get cleared. It just takes a little back and forth sometimes.

Remember, if you’re in the National Guard, the VA loan is within reach. Meeting those basic requirements opens doors wider than you might think. Got questions or ready to take the plunge? Reach out, and let’s make your homeownership dreams a reality. Take care and happy house hunting!