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If you're a veteran or military family member looking into VA loans, the eligibility rules can feel confusing at first. Honestly, it's not just about serving—factors like time in service, discharge status, and even surviving spouse status all matter. Many don't realize that failing to meet the minimum service time or having a less-than-honorable discharge can bar access entirely. Once eligible, there's no strict minimum credit score, but lenders vary. Whether you're active duty, reservist, or N… Understanding VA Loan Eligibility: What Veterans and Military Families Need to Know