Types of Home Loans
- What is a VA Loan?
- What are the VA Loan Limits?
- VA Loan Eligibility
- VA Funding Fee
- Advantages of VA Loans
- VA Loan vs. Conventional and FHA Mortgages
- What are the VA Residual Income Requirements?
- How to Apply for a VA Loan
- VA Loans for Home Purchase
- Types of Properties Eligible for a VA Home Loan?
- VA Loan Refinancing
- Do I need DD214 to know if I am eligible for a VA Loan?
- What are VA Entitlement Codes
- VA Mortgage Purchase Loan Checklist
- VA Funding Fee
- VA Loans Frequently Asked Questions
What are VA Entitlement Codes
When you are applying for VA Home Loan with Lendia one of the first things we obtain is your Certificate of Eligibility (COE). The certificate of eligibility will provide us with a VA guaranty amount that in most cases is $36,000. It also contains a code referred to as Entitlement Code. Below we explain what the entitlement codes mean and how the entitlement amount dictates how much you can borrow.
The entitlement codes describe the veteran’s specific military service time period which in turn determine the veteran’s eligibility. The table below illustrates what each code represents and the one right under it specifies the time period that the event took place.
| Entitlement Code | Separation, effective, or honorable discharge date |
| 01 | World War II |
| 02 | Korean War |
| 03 | Post-Korean |
| 04 | Vietnam War |
| 05 | Entitlement Restored |
| 06 | Un-remarried Surviving Spouse |
| 07 | Spouse of POW/MIA |
| 08 | Post World War II |
| 09 | Post-Vietnam |
| 10 | Gulf War |
| 11 | Selected Reserves |
Most VA entitlement codes correspond with certain wartime and peacetime date ranges. The VA is very specific – down to the day – on dates of service, and the period in which the service was completed.
Here is more information on time period designations.
| Event | Dates | Minimum Service* |
| WWII | 09/16/40 – 07/25/47 | 90 continuous days |
| Peacetime | 07/26/47 – 06/26/50 | 181 days |
| Korean | 06/27/50 – 01/31/55 | 90 days |
| Post-Korean | 02/01/55 – 08/04/64 | 181 days |
| Vietnam | 08/05/64 – 05/07/75 | 90 days |
| Post-Vietnam | 05/08/75 – 09/07/80 | 181 days |
| Post-Vietnam | 09/08/80 – 08/01/90 | 2 years |
| Persian Gulf | 8/2/90 – undetermined | 2 years or period called to active duty, not less than 90 days |
Certain VA entitlement codes describe ways in which service members and others are eligible.
| Other Eligible Persons | Minimum Service Required |
| Active Duty (applies during active duty) | 90 continuous days (181 days in peacetime) |
| Active Reserve or National Guard | 6 years in Selected Reserves |
| Unmarried surviving spouse | No time requirement |
| Spouse of POW/MIA | Veteran has been POW/MIA for 90 days |