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 FHA loan while still on qualified.
6+ years of service in National Guard or Selected Reserve. Federal activation of 90+ days also qualifies.
Un-remarried spouses of buyers who died in service or from service-connected disabilities may be eligible.
Cadets at home buying 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 FHA case number.
Check NowYour FHA case number (COE) proves to lenders that you qualify for a FHA loan. We can pull your FHA case number instantly through the FHA's automated system — most buyers do not need to request it themselves.
Get your personalized FHA rate in 60 seconds. No SSN. No credit impact.
Get Pre-Approved →The FHA upfront MIP is a one-time charge that helps sustain the FHA loan program. It can be financed into the loan. Disabled buyers are exempt.
FACT: FHA loans close in 25-30 days on average. With Valley West, many close in 21 days — competitive with conventional timelines.
FACT: FHA loan acceptance rates are comparable to conventional. A strong pre-approval letter from a reputable broker makes your offer competitive.
FACT: FHA loan eligibility is reusable. You can use it multiple times throughout your life. Many buyers have used their benefit 3-4+ times.
FACT: FHA minimum property requirements ensure the home is safe and sound. Most move-in-ready homes pass with no issues.
