Can I get a VA loan with a less-than-honorable discharge?
Sometimes. VA performs a character-of-discharge review for less-than-honorable separations. Honorable conditions are clearly eligible; dishonorable usually is not. Other-than-honorable, bad-conduct (general court-martial), and similar can go either way after VA review.
Plain-English explanation
The character-of-discharge review looks at the circumstances of the separation, length and nature of service, and any compelling-circumstances factors. The veteran can also pursue a discharge upgrade through their service branch's review board. The COE will reflect VA's eligibility decision. Subject to VA guidelines.
What can change the answer?
Service-history records, character-of-discharge review, and surviving-spouse DIC determinations can change VA eligibility. Lender overlays may add to VA's rules.
Want the real answer for your VA file?
VA guidelines are the rule. Your COE, entitlement, residual income, property, and Florida costs are what decide the actual answer.
More VA questions on Eligibility
Educational only. VA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review.