Is there VA loan process or exception by my Reserve unit to get COE in good faith that I will complete my 6 years?

SPC(P) Private RallyPoint Member — Thu, 16 Jan 2020 12:16:47 -0500

5.5 years in active reserves, no title 10 active duty yet.
I know rule is 6 years for reservist go get Va Home loan.

For my new home construction, builder can’t wait another six months to close.

Is there mechanism or exception by the unit to get COE in good faith that I will complete my 6 years in 6 months ?

Response by LTC Ed McAvoy made Jan 16 at 2020 3:16 PM

LTC Ed McAvoy — Thu, 16 Jan 2020 15:16:32 -0500

Talk to your lender or bank about getting a six month bridge loan to get you to six years when you can activate your VA loan.

Response by CWO3 Private RallyPoint Member made Jan 16 at 2020 3:23 PM

CWO3 Private RallyPoint Member — Thu, 16 Jan 2020 15:23:47 -0500

[login to see] or VA.gov

Response by SPC Zacharia Mosh made May 2 at 2023 8:24 AM

SPC Zacharia Mosh — Tue, 02 May 2023 08:24:08 -0400

It sounds like you're a Wheeled Vehicle Mechanic in the Reserve and you're looking to get a VA Home Loan, but you haven't quite completed your 6 years of service yet. I can understand how frustrating that must be, especially if you're trying to buy a new home and the builder is pushing for a quick closing.

Response by Jacob McMillow made May 2 at 2023 8:28 AM

Jacob McMillow — Tue, 02 May 2023 08:28:57 -0400

I'm not sure if there's a specific mechanism or exception your unit can make to help you get a Certificate of Eligibility (COE) for the VA Home Loan, but it might be worth talking to someone in your chain of command or reaching out to your local VA office to see if they have any advice.
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