Who is eligible for VA loans?

Eligibility for VA loans is specifically designed to benefit a range of individuals who have served in or are currently serving in the military. The correct answer highlights that veterans, reservists, active-duty personnel, and surviving spouses can access VA loans. This broad eligibility reflects the intent of the program to honor and support those who have served in defense of the country, ensuring they have access to favorable loan terms that can help them buy, build, or refinance a home.

Veterans are those who have served in the armed forces and have met specific service requirements. Reservists and active-duty personnel are also included, as they too have made commitments to serve in the military. Surviving spouses of service members who died in the line of duty or due to a service-related condition are also eligible, allowing their families to benefit from VA loan advantages, which can often include lower interest rates and no down payment requirements.

The other choices do not accurately reflect the specific eligibility criteria set by the VA. For instance, eligibility is not limited to only active-duty military members or to any U.S. citizen, as there are specific service-related prerequisites necessary to qualify for a VA loan. Also, having a military ID alone does not confer eligibility as it does not take into account the