1:"$Sreact.fragment"
3:I[2971,["/_next/static/chunks/aaa24ee3584bc913.js"],"default"]
4:I[39756,["/_next/static/chunks/ff1a16fafef87110.js","/_next/static/chunks/d2be314c3ece3fbe.js"],"default"]
5:I[37457,["/_next/static/chunks/ff1a16fafef87110.js","/_next/static/chunks/d2be314c3ece3fbe.js"],"default"]
6:I[22016,["/_next/static/chunks/aaa24ee3584bc913.js","/_next/static/chunks/1dd4e287562f66d8.js"],""]
11:I[68027,[],"default"]
:HL["/_next/static/chunks/e093bfba1868bc71.css","style"]
:HL["/_next/static/media/797e433ab948586e-s.p.dbea232f.woff2","font",{"crossOrigin":"","type":"font/woff2"}]
:HL["/_next/static/media/83afe278b6a6bb3c-s.p.3a6ba036.woff2","font",{"crossOrigin":"","type":"font/woff2"}]
:HL["https://assets.calendly.com/assets/external/widget.css","style"]
2:T45d,{"@context":"https://schema.org","@graph":[{"@type":"Organization","name":"Joshua Donion - American Financial Network","url":"https://jdonion.com","logo":"https://jdonion.com/joshua-donion-headshot.jpg","contactPoint":{"@type":"ContactPoint","telephone":"+1-425-334-8089","contactType":"customer service","areaServed":"US"},"sameAs":["https://www.zillow.com/lender-profile/Josh%20Donion/"]},{"@type":"Person","name":"Joshua Donion","jobTitle":"Mortgage Loan Officer","worksFor":{"@type":"Organization","name":"American Financial Network"},"url":"https://jdonion.com","knowsAbout":["Mortgages","Home Loans","VA Loans","FHA Loans","Refinancing"]},{"@type":"LocalBusiness","name":"Joshua Donion - Mortgage Loan Officer","url":"https://jdonion.com","telephone":"+1-425-334-8089","address":{"@type":"PostalAddress","addressLocality":"Seattle","addressRegion":"WA","addressCountry":"US"},"geo":{"@type":"GeoCoordinates","latitude":47.6062,"longitude":-122.3321},"aggregateRating":{"@type":"AggregateRating","ratingValue":"4.9","bestRating":"5","ratingCount":"200"},"areaServed":{"@type":"Country","name":"United States"}}]}0:{"P":null,"b":"Q6O0z0sMWODTzJ-zENbte","c":["","resources","va-loan-requirements"],"q":"","i":false,"f":[[["",{"children":["resources",{"children":["va-loan-requirements",{"children":["__PAGE__",{}]}]}]},"$undefined","$undefined",true],[["$","$1","c",{"children":[[["$","link","0",{"rel":"stylesheet","href":"/_next/static/chunks/e093bfba1868bc71.css","precedence":"next","crossOrigin":"$undefined","nonce":"$undefined"}],["$","script","script-0",{"src":"/_next/static/chunks/aaa24ee3584bc913.js","async":true,"nonce":"$undefined"}]],["$","html",null,{"lang":"en","children":[["$","head",null,{"children":[["$","link",null,{"href":"https://assets.calendly.com/assets/external/widget.css","rel":"stylesheet"}],["$","script",null,{"type":"application/ld+json","dangerouslySetInnerHTML":{"__html":"$2"}}]]}],["$","body",null,{"className":"inter_7b064e0d-module__MOT0tq__variable geist_mono_8d43a2aa-module__8Li5zG__variable antialiased","children":[["$","$L3",null,{}],["$","main",null,{"children":["$","$L4",null,{"parallelRouterKey":"children","error":"$undefined","errorStyles":"$undefined","errorScripts":"$undefined","template":["$","$L5",null,{}],"templateStyles":"$undefined","templateScripts":"$undefined","notFound":[["$","section",null,{"className":"flex min-h-[60vh] flex-col items-center justify-center px-4 text-center","children":[["$","h1",null,{"className":"text-7xl font-bold text-primary","children":"404"}],["$","h2",null,{"className":"mt-4 text-2xl font-bold text-primary-dark","children":"Page Not Found"}],["$","p",null,{"className":"mx-auto mt-4 max-w-md text-gray-medium","children":"The page you are looking for may have been moved or no longer exists. Let me help you find what you need."}],["$","div",null,{"className":"mt-8 flex flex-col items-center gap-4 sm:flex-row","children":[["$","$L6",null,{"href":"/","className":"rounded-full bg-gold px-8 py-3.5 text-base font-semibold text-text-dark shadow-lg transition-colors hover:bg-gold-light","children":"Back to Home"}],["$","$L6",null,{"href":"/contact","className":"rounded-full border-2 border-primary px-8 py-3.5 text-base font-semibold text-primary transition-colors hover:bg-primary hover:text-white","children":"Contact Joshua"}]]}]]}],[]],"forbidden":"$undefined","unauthorized":"$undefined"}]}],["$","footer",null,{"className":"bg-text-dark text-white","children":[["$","div",null,{"className":"mx-auto max-w-7xl px-4 py-16 sm:px-6 lg:px-8","children":[["$","div",null,{"className":"mb-12","children":[["$","p",null,{"className":"text-2xl font-extrabold tracking-tight","children":["Josh",["$","span",null,{"className":"text-primary","children":"Donion"}]]}],["$","p",null,{"className":"mt-2 text-sm text-white/50 max-w-xs","children":"Empowering homebuyers with confidence since 2002."}]]}],["$","div",null,{"className":"grid grid-cols-1 gap-10 sm:grid-cols-2 lg:grid-cols-4","children":[["$","div",null,{"children":[["$","h3",null,{"className":"mb-4 text-xs font-bold uppercase tracking-widest text-white/40","children":"Company"}],"$L7"]}],"$L8","$L9","$La"]}]]}],"$Lb"]}],"$Lc"]}]]}]]}],{"children":["$Ld",{"children":["$Le",{"children":["$Lf",{},null,false,false]},null,false,false]},null,false,false]},null,false,false],"$L10",false]],"m":"$undefined","G":["$11",[]],"S":true}
12:I[79520,["/_next/static/chunks/aaa24ee3584bc913.js"],""]
1e:I[97367,["/_next/static/chunks/ff1a16fafef87110.js","/_next/static/chunks/d2be314c3ece3fbe.js"],"ViewportBoundary"]
20:I[97367,["/_next/static/chunks/ff1a16fafef87110.js","/_next/static/chunks/d2be314c3ece3fbe.js"],"MetadataBoundary"]
21:"$Sreact.suspense"
7:["$","ul",null,{"className":"space-y-2.5","children":[["$","li","/about",{"children":["$","$L6",null,{"href":"/about","className":"text-sm text-white/70 transition-colors hover:text-gold","children":"About"}]}],["$","li","/reviews",{"children":["$","$L6",null,{"href":"/reviews","className":"text-sm text-white/70 transition-colors hover:text-gold","children":"Reviews"}]}],["$","li","/contact",{"children":["$","$L6",null,{"href":"/contact","className":"text-sm text-white/70 transition-colors hover:text-gold","children":"Contact"}]}],["$","li","https://www.divorcelendingassociation.com/offices/joshua-donion.cfm",{"children":["$","a",null,{"href":"https://www.divorcelendingassociation.com/offices/joshua-donion.cfm","target":"_blank","rel":"noopener noreferrer","className":"text-sm text-white/70 transition-colors hover:text-gold","children":"CDLP Profile"}]}]]}]
8:["$","div",null,{"children":[["$","h3",null,{"className":"mb-4 text-xs font-bold uppercase tracking-widest text-white/40","children":"Loan Programs"}],["$","ul",null,{"className":"space-y-2.5","children":[["$","li","/purchase-loans",{"children":["$","$L6",null,{"href":"/purchase-loans","className":"text-sm text-white/70 transition-colors hover:text-gold","children":"Purchase Loans"}]}],["$","li","/refinance",{"children":["$","$L6",null,{"href":"/refinance","className":"text-sm text-white/70 transition-colors hover:text-gold","children":"Refinance"}]}],["$","li","/first-time-homebuyer",{"children":["$","$L6",null,{"href":"/first-time-homebuyer","className":"text-sm text-white/70 transition-colors hover:text-gold","children":"First-Time Buyers"}]}],["$","li","/va-loans",{"children":["$","$L6",null,{"href":"/va-loans","className":"text-sm text-white/70 transition-colors hover:text-gold","children":"VA Loans"}]}],["$","li","/fha-loans",{"children":["$","$L6",null,{"href":"/fha-loans","className":"text-sm text-white/70 transition-colors hover:text-gold","children":"FHA Loans"}]}],["$","li","/jumbo-loans",{"children":["$","$L6",null,{"href":"/jumbo-loans","className":"text-sm text-white/70 transition-colors hover:text-gold","children":"Jumbo Loans"}]}],["$","li","/investment-property-loans",{"children":["$","$L6",null,{"href":"/investment-property-loans","className":"text-sm text-white/70 transition-colors hover:text-gold","children":"Investment Properties"}]}],["$","li","/usda-loans",{"children":["$","$L6",null,{"href":"/usda-loans","className":"text-sm text-white/70 transition-colors hover:text-gold","children":"USDA Loans"}]}],["$","li","/reverse-mortgage",{"children":["$","$L6",null,{"href":"/reverse-mortgage","className":"text-sm text-white/70 transition-colors hover:text-gold","children":"Reverse Mortgage"}]}],["$","li","/down-payment-assistance",{"children":["$","$L6",null,{"href":"/down-payment-assistance","className":"text-sm text-white/70 transition-colors hover:text-gold","children":"Down Payment Assistance"}]}]]}]]}]
9:["$","div",null,{"children":[["$","h3",null,{"className":"mb-4 text-xs font-bold uppercase tracking-widest text-white/40","children":"Resources"}],["$","ul",null,{"className":"space-y-2.5","children":[["$","li","/calculator",{"children":["$","$L6",null,{"href":"/calculator","className":"text-sm text-white/70 transition-colors hover:text-gold","children":"Mortgage Calculator"}]}],["$","li","/resources/first-time-buyer-guide",{"children":["$","$L6",null,{"href":"/resources/first-time-buyer-guide","className":"text-sm text-white/70 transition-colors hover:text-gold","children":"First-Time Buyer Guide"}]}],["$","li","/resources/refinance-guide",{"children":["$","$L6",null,{"href":"/resources/refinance-guide","className":"text-sm text-white/70 transition-colors hover:text-gold","children":"Refinance Guide"}]}]]}]]}]
a:["$","div",null,{"children":[["$","h3",null,{"className":"mb-4 text-xs font-bold uppercase tracking-widest text-white/40","children":"Contact"}],["$","ul",null,{"className":"space-y-3 text-sm text-white/70","children":[["$","li",null,{"className":"flex items-start gap-2.5","children":[["$","svg",null,{"className":"mt-0.5 h-4 w-4 shrink-0 text-gold","fill":"none","viewBox":"0 0 24 24","stroke":"currentColor","children":["$","path",null,{"strokeLinecap":"round","strokeLinejoin":"round","strokeWidth":2,"d":"M3 5a2 2 0 012-2h3.28a1 1 0 01.948.684l1.498 4.493a1 1 0 01-.502 1.21l-2.257 1.13a11.042 11.042 0 005.516 5.516l1.13-2.257a1 1 0 011.21-.502l4.493 1.498a1 1 0 01.684.949V19a2 2 0 01-2 2h-1C9.716 21 3 14.284 3 6V5z"}]}],["$","a",null,{"href":"tel:2064981040","className":"hover:text-gold","children":"(206) 498-1040"}]]}],["$","li",null,{"className":"flex items-start gap-2.5","children":[["$","svg",null,{"className":"mt-0.5 h-4 w-4 shrink-0 text-gold","fill":"none","viewBox":"0 0 24 24","stroke":"currentColor","children":["$","path",null,{"strokeLinecap":"round","strokeLinejoin":"round","strokeWidth":2,"d":"M3 8l7.89 5.26a2 2 0 002.22 0L21 8M5 19h14a2 2 0 002-2V7a2 2 0 00-2-2H5a2 2 0 00-2 2v10a2 2 0 002 2z"}]}],["$","a",null,{"href":"mailto:jdonion@afncorp.com","className":"hover:text-gold","children":"jdonion@afncorp.com"}]]}],["$","li",null,{"className":"flex items-start gap-2.5","children":[["$","svg",null,{"className":"mt-0.5 h-4 w-4 shrink-0 text-gold","fill":"none","viewBox":"0 0 24 24","stroke":"currentColor","children":["$","path",null,{"strokeLinecap":"round","strokeLinejoin":"round","strokeWidth":2,"d":"M9 12l2 2 4-4m5.618-4.016A11.955 11.955 0 0112 2.944a11.955 11.955 0 01-8.618 3.04A12.02 12.02 0 003 9c0 5.591 3.824 10.29 9 11.622 5.176-1.332 9-6.03 9-11.622 0-1.042-.133-2.052-.382-3.016z"}]}],["$","span",null,{"children":"NMLS #344326"}]]}],["$","li",null,{"className":"flex items-start gap-2.5","children":[["$","svg",null,{"className":"mt-0.5 h-4 w-4 shrink-0 text-gold","fill":"none","viewBox":"0 0 24 24","stroke":"currentColor","children":[["$","path",null,{"strokeLinecap":"round","strokeLinejoin":"round","strokeWidth":2,"d":"M17.657 16.657L13.414 20.9a1.998 1.998 0 01-2.827 0l-4.244-4.243a8 8 0 1111.314 0z"}],["$","path",null,{"strokeLinecap":"round","strokeLinejoin":"round","strokeWidth":2,"d":"M15 11a3 3 0 11-6 0 3 3 0 016 0z"}]]}],["$","span",null,{"children":["American Financial Network",["$","br",null,{}],"10 Pointe Dr, Suite 330",["$","br",null,{}],"Brea, CA 92821"]}]]}]]}]]}]
b:["$","div",null,{"className":"border-t border-white/10","children":["$","div",null,{"className":"mx-auto max-w-7xl px-4 py-5 sm:px-6 lg:px-8 flex flex-col sm:flex-row items-center justify-between gap-2","children":[["$","p",null,{"className":"text-xs text-white/40","children":["© ",2026," Joshua Donion. All rights reserved."]}],["$","p",null,{"className":"text-xs text-white/40","children":"American Financial Network, NMLS #237341 · Equal Housing Lender"}]]}]}]
c:["$","$L12",null,{"src":"https://assets.calendly.com/assets/external/widget.js","strategy":"afterInteractive"}]
d:["$","$1","c",{"children":[null,["$","$L4",null,{"parallelRouterKey":"children","error":"$undefined","errorStyles":"$undefined","errorScripts":"$undefined","template":["$","$L5",null,{}],"templateStyles":"$undefined","templateScripts":"$undefined","notFound":"$undefined","forbidden":"$undefined","unauthorized":"$undefined"}]]}]
e:["$","$1","c",{"children":[null,["$","$L4",null,{"parallelRouterKey":"children","error":"$undefined","errorStyles":"$undefined","errorScripts":"$undefined","template":["$","$L5",null,{}],"templateStyles":"$undefined","templateScripts":"$undefined","notFound":"$undefined","forbidden":"$undefined","unauthorized":"$undefined"}]]}]
f:["$","$1","c",{"children":[[["$","section",null,{"className":"bg-gradient-to-br from-primary to-primary-dark py-20 sm:py-28","children":["$","div",null,{"className":"mx-auto max-w-7xl px-4 text-center sm:px-6 lg:px-8","children":[["$","h1",null,{"className":"text-4xl font-extrabold tracking-tight text-white sm:text-5xl lg:text-6xl","children":"VA Loan Requirements"}],["$","p",null,{"className":"mx-auto mt-6 max-w-2xl text-lg text-white/80 sm:text-xl","children":"Understanding the eligibility and qualification requirements is the first step toward using your VA loan benefit. Here is what you need to know."}],["$","div",null,{"className":"mt-8 flex flex-col items-center justify-center gap-4 sm:flex-row","children":[["$","a",null,{"href":"https://www.afnbp.com/web/borrower-portal/application?p_p_id=com_afncorp_bp_web_portlet_ApplicationPortlet&p_p_lifecycle=0&p_p_state=normal&p_p_mode=view&_com_afncorp_bp_web_portlet_ApplicationPortlet_action=view&_com_afncorp_bp_web_portlet_ApplicationPortlet_loId=A9YI","target":"_blank","rel":"noopener noreferrer","className":"rounded-full bg-gold px-8 py-3.5 text-sm font-bold text-text-dark transition-all hover:bg-gold-light hover:shadow-lg","children":"Check Your Eligibility"}],["$","$L6",null,{"href":"/resources/va-loan-benefits","className":"rounded-full border-2 border-white/30 bg-white/10 backdrop-blur-sm px-8 py-3.5 text-sm font-bold text-white transition-all hover:bg-white hover:text-primary-dark","children":"VA Loan Benefits"}]]}]]}]}],["$","section",null,{"className":"bg-white py-16 sm:py-20","children":["$","div",null,{"className":"mx-auto max-w-3xl px-4 sm:px-6 lg:px-8","children":[["$","h2",null,{"className":"text-3xl font-extrabold text-primary-dark","children":"Eligibility Overview"}],["$","p",null,{"className":"mt-6 text-gray-700 leading-relaxed","children":"VA loan eligibility is primarily determined by your military service history. The program is available to veterans, active-duty service members, National Guard and Reserve members, and certain surviving spouses. The specific requirements vary based on when and how long you served."}],["$","p",null,{"className":"mt-4 text-gray-700 leading-relaxed","children":"Beyond service requirements, you must also meet lender credit and income guidelines, intend to occupy the property as your primary residence, and purchase a property that meets VA Minimum Property Requirements. The VA itself does not lend money; it guarantees a portion of the loan, which allows approved lenders to offer favorable terms."}]]}]}],["$","section",null,{"className":"bg-off-white py-16 sm:py-20","children":["$","div",null,{"className":"mx-auto max-w-3xl px-4 sm:px-6 lg:px-8","children":[["$","h2",null,{"className":"text-3xl font-extrabold text-primary-dark","children":"Service Requirements"}],["$","p",null,{"className":"mt-6 text-gray-700 leading-relaxed","children":"The minimum service requirements depend on when you served and whether your service was during wartime or peacetime."}],["$","div",null,{"className":"mt-8 space-y-4","children":[["$","div","Wartime Service",{"className":"rounded-2xl border border-gray-200 bg-white p-6","children":[["$","h3",null,{"className":"text-base font-bold text-text-dark","children":"Wartime Service"}],["$","p",null,{"className":"mt-2 text-sm leading-relaxed text-gray-600","children":"At least 90 consecutive days of active duty during a period of war. Qualifying periods include World War II, Korean War, Vietnam War, Gulf War (August 2, 1990 to present). Most post-9/11 veterans qualify under the Gulf War period."}]]}],["$","div","Peacetime Service",{"className":"rounded-2xl border border-gray-200 bg-white p-6","children":[["$","h3",null,{"className":"text-base font-bold text-text-dark","children":"Peacetime Service"}],"$L13"]}],"$L14","$L15","$L16"]}]]}]}],"$L17","$L18","$L19","$L1a","$L1b"],["$L1c"],"$L1d"]}]
10:["$","$1","h",{"children":[null,["$","$L1e",null,{"children":"$L1f"}],["$","div",null,{"hidden":true,"children":["$","$L20",null,{"children":["$","$21",null,{"name":"Next.Metadata","children":"$L22"}]}]}],["$","meta",null,{"name":"next-size-adjust","content":""}]]}]
23:I[31213,["/_next/static/chunks/aaa24ee3584bc913.js","/_next/static/chunks/1dd4e287562f66d8.js"],"default"]
24:I[97367,["/_next/static/chunks/ff1a16fafef87110.js","/_next/static/chunks/d2be314c3ece3fbe.js"],"OutletBoundary"]
13:["$","p",null,{"className":"mt-2 text-sm leading-relaxed text-gray-600","children":"At least 181 continuous days of active duty during peacetime periods between the defined wartime eras. You must have been discharged under conditions other than dishonorable."}]
14:["$","div","National Guard and Reserves",{"className":"rounded-2xl border border-gray-200 bg-white p-6","children":[["$","h3",null,{"className":"text-base font-bold text-text-dark","children":"National Guard and Reserves"}],["$","p",null,{"className":"mt-2 text-sm leading-relaxed text-gray-600","children":"Six years of service in the Selected Reserve or National Guard with an honorable discharge, or 90 days of active-duty service under Title 10 federal activation orders. Guard and Reserve members called to active duty for 90 or more days qualify under active-duty requirements."}]]}]
15:["$","div","Current Active Duty",{"className":"rounded-2xl border border-gray-200 bg-white p-6","children":[["$","h3",null,{"className":"text-base font-bold text-text-dark","children":"Current Active Duty"}],["$","p",null,{"className":"mt-2 text-sm leading-relaxed text-gray-600","children":"Currently serving active-duty members are eligible after 90 continuous days of service. You can use your VA benefit while still serving and even before your first permanent change of station."}]]}]
16:["$","div","Surviving Spouses",{"className":"rounded-2xl border border-gray-200 bg-white p-6","children":[["$","h3",null,{"className":"text-base font-bold text-text-dark","children":"Surviving Spouses"}],["$","p",null,{"className":"mt-2 text-sm leading-relaxed text-gray-600","children":"Un-remarried surviving spouses of service members who died in the line of duty or from a service-connected disability. Surviving spouses who remarried after age 57 and after December 16, 2003, may also be eligible."}]]}]
17:["$","section",null,{"className":"bg-white py-16 sm:py-20","children":["$","div",null,{"className":"mx-auto max-w-3xl px-4 sm:px-6 lg:px-8","children":[["$","h2",null,{"className":"text-3xl font-extrabold text-primary-dark","children":"Certificate of Eligibility (COE)"}],["$","p",null,{"className":"mt-6 text-gray-700 leading-relaxed","children":"The Certificate of Eligibility is the document that verifies your service history and confirms your eligibility for the VA loan program. You will need a COE before your lender can process your VA loan application."}],["$","div",null,{"className":"mt-8 grid gap-6 sm:grid-cols-3","children":[["$","div","Through Your Lender",{"className":"rounded-2xl border border-gray-200 bg-off-white p-5","children":[["$","h3",null,{"className":"text-sm font-bold text-primary","children":"Through Your Lender"}],["$","p",null,{"className":"mt-2 text-sm leading-relaxed text-gray-600","children":"The fastest option. Most lenders can access the VA Web LGY system and pull your COE electronically in minutes. This is the most common approach."}]]}],["$","div","VA eBenefits Portal",{"className":"rounded-2xl border border-gray-200 bg-off-white p-5","children":[["$","h3",null,{"className":"text-sm font-bold text-primary","children":"VA eBenefits Portal"}],["$","p",null,{"className":"mt-2 text-sm leading-relaxed text-gray-600","children":"You can request your COE online through the VA eBenefits website. Create an account, navigate to the Certificate of Eligibility section, and download your COE."}]]}],["$","div","By Mail",{"className":"rounded-2xl border border-gray-200 bg-off-white p-5","children":[["$","h3",null,{"className":"text-sm font-bold text-primary","children":"By Mail"}],["$","p",null,{"className":"mt-2 text-sm leading-relaxed text-gray-600","children":"Submit VA Form 26-1880 along with proof of military service (DD-214 for veterans) to your regional VA loan center. Processing by mail takes several weeks."}]]}]]}],["$","p",null,{"className":"mt-6 text-gray-700 leading-relaxed","children":"The documents you need for your COE depend on your service status. Veterans need their DD-214 (discharge papers). Active-duty members need a statement of service signed by their commanding officer. National Guard and Reserve members need NGB Form 22, NGB Form 23, or points statements."}]]}]}]
18:["$","section",null,{"className":"bg-off-white py-16 sm:py-20","children":["$","div",null,{"className":"mx-auto max-w-3xl px-4 sm:px-6 lg:px-8","children":[["$","h2",null,{"className":"text-3xl font-extrabold text-primary-dark","children":"Credit Guidelines"}],["$","p",null,{"className":"mt-6 text-gray-700 leading-relaxed","children":"The VA does not mandate a minimum credit score, which sets it apart from FHA and conventional guidelines. However, individual lenders establish their own minimum credit score requirements, typically ranging from 580 to 620."}],["$","div",null,{"className":"mt-8 space-y-6","children":[["$","div","Credit Score",{"className":"border-l-4 border-primary pl-6","children":[["$","h3",null,{"className":"text-lg font-bold text-primary-dark","children":"Credit Score"}],["$","p",null,{"className":"mt-2 text-sm leading-relaxed text-gray-600","children":"Most VA-approved lenders look for a minimum score of 580 to 620. Some lenders specialize in working with borrowers who have lower scores. Your credit score affects the interest rate you qualify for, but even borrowers with lower scores can access competitive VA rates."}]]}],["$","div","Debt-to-Income Ratio",{"className":"border-l-4 border-primary pl-6","children":[["$","h3",null,{"className":"text-lg font-bold text-primary-dark","children":"Debt-to-Income Ratio"}],["$","p",null,{"className":"mt-2 text-sm leading-relaxed text-gray-600","children":"The VA guideline maximum DTI is 41 percent, but exceptions are common, especially when you have strong residual income. Residual income measures the cash left over after all major expenses and is a unique VA requirement that provides a more comprehensive financial picture."}]]}],["$","div","Bankruptcy",{"className":"border-l-4 border-primary pl-6","children":[["$","h3",null,{"className":"text-lg font-bold text-primary-dark","children":"Bankruptcy"}],["$","p",null,{"className":"mt-2 text-sm leading-relaxed text-gray-600","children":"Chapter 7 bankruptcy: eligible 2 years after discharge. Chapter 13 bankruptcy: eligible after 12 months of on-time payments in the repayment plan, with court approval. These waiting periods are shorter than conventional loan requirements."}]]}],["$","div","Foreclosure",{"className":"border-l-4 border-primary pl-6","children":[["$","h3",null,{"className":"text-lg font-bold text-primary-dark","children":"Foreclosure"}],["$","p",null,{"className":"mt-2 text-sm leading-relaxed text-gray-600","children":"You may be eligible 2 years after a foreclosure, whether it was on a VA loan or another loan type. If the foreclosure resulted in a loss to the VA (on a VA loan), your entitlement may be reduced until the loss is repaid."}]]}]]}]]}]}]
19:["$","section",null,{"className":"bg-white py-16 sm:py-20","children":["$","div",null,{"className":"mx-auto max-w-3xl px-4 sm:px-6 lg:px-8","children":[["$","h2",null,{"className":"text-3xl font-extrabold text-primary-dark","children":"Property Requirements"}],["$","p",null,{"className":"mt-6 text-gray-700 leading-relaxed","children":"The VA requires that properties financed with VA loans meet Minimum Property Requirements (MPRs). These standards ensure the home is safe, structurally sound, and sanitary. The VA appraisal process evaluates compliance with these requirements."}],["$","div",null,{"className":"mt-8 rounded-2xl border border-gray-200 bg-off-white p-6","children":[["$","h3",null,{"className":"text-lg font-bold text-text-dark","children":"VA Minimum Property Requirements Include"}],["$","ul",null,{"className":"mt-4 space-y-2 text-sm text-gray-700","children":[["$","li","Adequate roofing with no active leaks or significant deterioration",{"className":"flex gap-2","children":[["$","span",null,{"className":"mt-0.5 text-primary font-bold","children":"✓"}],["$","span",null,{"children":"Adequate roofing with no active leaks or significant deterioration"}]]}],["$","li","Functioning mechanical systems including heating, plumbing, and electrical",{"className":"flex gap-2","children":[["$","span",null,{"className":"mt-0.5 text-primary font-bold","children":"✓"}],["$","span",null,{"children":"Functioning mechanical systems including heating, plumbing, and electrical"}]]}],["$","li","Safe and adequate water supply and sewage disposal",{"className":"flex gap-2","children":[["$","span",null,{"className":"mt-0.5 text-primary font-bold","children":"✓"}],["$","span",null,{"children":"Safe and adequate water supply and sewage disposal"}]]}],["$","li","No lead-based paint hazards in homes built before 1978",{"className":"flex gap-2","children":[["$","span",null,{"className":"mt-0.5 text-primary font-bold","children":"✓"}],["$","span",null,{"children":"No lead-based paint hazards in homes built before 1978"}]]}],["$","li","Adequate access to the property from a public or private road",{"className":"flex gap-2","children":[["$","span",null,{"className":"mt-0.5 text-primary font-bold","children":"✓"}],["$","span",null,{"children":"Adequate access to the property from a public or private road"}]]}],["$","li","No termite or pest infestation damage",{"className":"flex gap-2","children":[["$","span",null,{"className":"mt-0.5 text-primary font-bold","children":"✓"}],["$","span",null,{"children":"No termite or pest infestation damage"}]]}],["$","li","Structurally sound foundation with no significant cracks or settling",{"className":"flex gap-2","children":[["$","span",null,{"className":"mt-0.5 text-primary font-bold","children":"✓"}],["$","span",null,{"children":"Structurally sound foundation with no significant cracks or settling"}]]}],["$","li","Must be the borrower primary residence (not investment property)",{"className":"flex gap-2","children":[["$","span",null,{"className":"mt-0.5 text-primary font-bold","children":"✓"}],["$","span",null,{"children":"Must be the borrower primary residence (not investment property)"}]]}]]}]]}],["$","p",null,{"className":"mt-6 text-gray-700 leading-relaxed","children":"Eligible property types include single-family homes, VA-approved condominiums, manufactured homes on permanent foundations, and multi-unit properties (up to 4 units) where you occupy one unit. New construction is also eligible. Properties that do not meet MPRs may still be purchased if the seller agrees to make the necessary repairs before closing."}]]}]}]
1a:["$","section",null,{"className":"bg-off-white py-16 sm:py-20","children":["$","div",null,{"className":"mx-auto max-w-3xl px-4 sm:px-6 lg:px-8","children":[["$","h2",null,{"className":"text-2xl font-extrabold text-primary-dark","children":"Related Resources"}],["$","div",null,{"className":"mt-6 grid gap-4 sm:grid-cols-2","children":[["$","$L6","/resources/va-loan-benefits",{"href":"/resources/va-loan-benefits","className":"group rounded-2xl border border-gray-200 bg-white p-4 transition-all hover:border-primary/20 hover:shadow-md","children":["$","span",null,{"className":"text-sm font-bold text-primary-dark group-hover:text-primary","children":"VA Loan Benefits Explained"}]}],["$","$L6","/guides/va-loan-guide",{"href":"/guides/va-loan-guide","className":"group rounded-2xl border border-gray-200 bg-white p-4 transition-all hover:border-primary/20 hover:shadow-md","children":["$","span",null,{"className":"text-sm font-bold text-primary-dark group-hover:text-primary","children":"Complete VA Loan Guide"}]}],["$","$L6","/guides/first-time-homebuyer-programs",{"href":"/guides/first-time-homebuyer-programs","className":"group rounded-2xl border border-gray-200 bg-white p-4 transition-all hover:border-primary/20 hover:shadow-md","children":["$","span",null,{"className":"text-sm font-bold text-primary-dark group-hover:text-primary","children":"First-Time Homebuyer Programs"}]}],["$","$L6","/guides/homebuying-checklist",{"href":"/guides/homebuying-checklist","className":"group rounded-2xl border border-gray-200 bg-white p-4 transition-all hover:border-primary/20 hover:shadow-md","children":["$","span",null,{"className":"text-sm font-bold text-primary-dark group-hover:text-primary","children":"Homebuying Checklist"}]}]]}]]}]}]
1b:["$","$L23",null,{}]
1c:["$","script","script-0",{"src":"/_next/static/chunks/1dd4e287562f66d8.js","async":true,"nonce":"$undefined"}]
1d:["$","$L24",null,{"children":["$","$21",null,{"name":"Next.MetadataOutlet","children":"$@25"}]}]
1f:[["$","meta","0",{"charSet":"utf-8"}],["$","meta","1",{"name":"viewport","content":"width=device-width, initial-scale=1"}]]
26:I[27201,["/_next/static/chunks/ff1a16fafef87110.js","/_next/static/chunks/d2be314c3ece3fbe.js"],"IconMark"]
22:[["$","title","0",{"children":"VA Loan Requirements | Joshua Donion"}],["$","meta","1",{"name":"description","content":"Learn VA loan eligibility requirements including service history, Certificate of Eligibility, credit guidelines, and property requirements. Resource by Joshua Donion."}],["$","meta","2",{"name":"application-name","content":"Joshua Donion Mortgage"}],["$","meta","3",{"name":"author","content":"Joshua Donion"}],["$","meta","4",{"name":"keywords","content":"mortgage lender,home loans,mortgage advisor,Joshua Donion,Seattle mortgage,Washington mortgage,California mortgage,FHA loans,VA loans,first-time homebuyer,refinance,mortgage calculator,pre-approval,American Financial Network"}],["$","meta","5",{"name":"robots","content":"index, follow"}],["$","meta","6",{"name":"googlebot","content":"index, follow, max-video-preview:-1, max-image-preview:large, max-snippet:-1"}],["$","meta","7",{"name":"geo.region","content":"US-WA"}],["$","meta","8",{"name":"geo.placename","content":"Seattle"}],["$","link","9",{"rel":"canonical","href":"https://jdonion.com/resources/va-loan-requirements"}],["$","meta","10",{"property":"og:title","content":"VA Loan Requirements | Joshua Donion"}],["$","meta","11",{"property":"og:description","content":"Learn VA loan eligibility requirements including service history, Certificate of Eligibility, credit guidelines, and property requirements."}],["$","meta","12",{"property":"og:url","content":"https://jdonion.com/resources/va-loan-requirements"}],["$","meta","13",{"name":"twitter:card","content":"summary"}],["$","meta","14",{"name":"twitter:title","content":"Joshua Donion | Trusted Mortgage Advisor"}],["$","meta","15",{"name":"twitter:description","content":"Expert mortgage solutions for homebuyers and homeowners. Get pre-approved quickly with personalized service from Joshua Donion, your trusted mortgage advisor."}],["$","meta","16",{"name":"twitter:image","content":"https://jdonion.com/joshua-donion-headshot.jpg"}],["$","link","17",{"rel":"icon","href":"/favicon.ico?favicon.5ac5f6c1.ico","sizes":"32x32","type":"image/x-icon"}],["$","$L26","18",{}]]
25:null