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.
What this actually means.
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.
Where this can move.
Service-history records, character-of-discharge review, and surviving-spouse DIC determinations can change VA eligibility. Lender overlays may add to VA's rules.
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Educational only. VA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review. Mortgage Expert, Inc. is not affiliated with the VA, HUD, or any government agency.