Most likely! Generally, you qualify if you’ve served 90 consecutive days of active service during wartime, 181 days during peacetime, or have 6 years in the National Guard or Reserves. As a military spouse, I know the paperwork can be a headache—if you’re unsure, just send me your info and I’ll pull your Certificate of Eligibility (COE) for you so we can know for sure.

This is a topic close to my heart. If you are a surviving spouse of a service member who died in the line of duty or from a service-connected disability, you may absolutely be eligible for the VA loan benefit. I am here to help you navigate this specific process with the extra care and attention it requires.

Yes! This is where my experience as a military spouse kicks in. We can use a Specific Power of Attorney (POA) or even a Remote Online Notary (RON) to ensure the loan moves forward even if your partner is downrange. I’ll coordinate with the title company and the lender to make sure the wording is perfect so there are no last-minute surprises on closing day.

Absolutely not. While many big banks stick to a rigid "620 score" rule (known as a lender overlay), the VA itself does not actually set a minimum credit score. What the VA actually cares about is your most recent 12 months of credit history. They look for a "satisfactory credit risk," which means that even if you had a rough patch years ago, a clean record over the last year carries massive weight in getting you approved.

Don't let a number stop you from starting the conversation. If your credit isn’t quite where it needs to be today, we don’t just say "no"—we say "not yet" and build a plan. As a military spouse, I know that timing is everything. We can sit down together, look at your "Whole File" (including your BAH and residual income), and create a step-by-step roadmap to get your scores up. Whether it takes 3 months or a year, I’ll be in the field with you until we get that "Clear to Close."