VA Loan Eligibility

VA home loan eligibility is constantly updating. Remember to visit the VA website or get in touch to find out if you’re eligible.


Service Requirements

Here’s a quick overview of service requirements for Veterans and members on active duty.

Service Requirements

WWII, Korean and Vietnam War Veterans meet the minimum active-duty service requirement for serving at least 90 total days or were discharged for a service-connected disability.

Veterans that served in the post-WWII, post-Korean War and post-Vietnam War periods are eligible if they served for 181 continuous days or were discharged for a service-connected disability.

Gulf War Veterans are eligible if they served for 24 continuous months or the full period they were called to active duty (at least 90 days) or were discharged for a hardship, reduction in force, or for convenience of the government (at least 90 days) or were discharged for a service-connected disability.

 Active duty members are eligible if they have served 90 continuous days.

National Guard and Reserve members are eligible if they have 6 years in the Selected Reserve or National Guard and qualify for one of the following: were discharged honorably, were placed on the retired list, were transferred to the Standby Reserve or Ready Reserve after honorable service, or continue to serve in the Selected Reserve.

Robert S

“Our refinance experience with FFB was absolutely perfect. Their customer rep was superb — extremely knowledgeable and very responsive to our questions. Their online mortgage software was also exceptionally well designed. We have been through many refinances over the years, and this was one of the best!”

Robert S


FFB offers an online pre-approval process that can get you approved in a matter of minutes.

You cannot lock in a rate until your application is complete and you have gone through the necessary steps. Depending on the type of loan you get, the number of days the process will take can vary.

Depending on the terms of the letter, pre-approvals are good for 90 days. In the event that your home search needs change, please contact your individual mortgage lender directly for assistance.

FFB can lend on manufactured homes. However, we have a limited number of staff that specialize in manufactured homes. To get in touch with them please complete the form linked below.

Rates are constantly changing and are based on a number of factors unique to each loan. You can get in touch with us to determine what rates look like in your situation.

Gift funds are allowed on Conventional, FHA, VA and USDA loans. Documentation requirements vary – please contact your mortgage lending agent for more information.

Currently, FFB National Bank requires a 620 credit score for a mortgage loan.

Completing our quick and easy online application is your best bet. Please visit us at now to get started!

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