Mortgages - Home Loans - National Guard Members in Utah

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Mortgages for National Guard Members in Utah
Mortgages for National Guard Members in Utah

Are you a National Guard Member serving anywhere across Utah?

If so I can help you with any of your mortgage and home loan needs.

I have experience working directly with members of the National Guard and Reservists all across Utah. You've served our country so let me help you get the mortgage or loan you deserve.

National Guard members and Reservists across Utah can tap into the same VA loan benefit that’s helped generations of Veterans and active duty service members achieve the dream of homeownership.

Eligibility Requirements for National Guard and Reserve Members in Utah

Generally six years of service in the National Guard or Reserve is the requirement. Once you hit six years of honorable service, you’re typically eligible for a VA loan.

The government also grants home loan eligibility before six years in certain cases. For decades, Guard and Reserve called to active duty service under Title 10 have gained VA loan eligibility, as long as they serve at least 90 consecutive days.

National Guardsmen mobilized under Title 32 orders haven’t had the same kind of early access to the VA loan benefit. That’s where this new legislation makes a huge difference.

New Expanded VA Loan Eligibility for National Guard Members

VA loan eligibility for current and former National Guardsmen received a big boost in 2020 thanks to the Veteran Health Care and Benefits Improvement Act.

This legislation helps bridge the eligibility gap between Title 10 and Title 32 service.

Now, Guard members activated under Title 32 orders can be eligible for a VA loan after serving 90 cumulative days of full-time duty, of which at least 30 must have been consecutive.

The National Guard Association of the United States estimates as many as 50,000 Guardsmen mobilized for the COVID-19 pandemic may gain immediate access to the home loan benefit.

This legislative change is also retroactive. Guard members who served decades ago but meet the new Title 32 guidelines could now be eligible for a VA loan.

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