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VA Income Requirement Guidelines

Employment verification general requirements for VA loans.

  • Verify a minimum of 2 years employment.
  • If employed by the present employer less than 2 years:
  • Verify prior employment plus present employment covering a total of 2 years;


  • Provide an explanation of why 2 years employment could not be verified.

VA’s debt-to-income ratio is a ratio of total monthly debt payments (housing expense, installment debts, etc.) to gross monthly income.

A ratio greater than 41 percent requires:

Compensating Factors

  • Sizable down payment
  • The existence of equity in refinancing loans
  • Little or no increase in shelter expense
  • Military benefits
  • Satisfactory homeownership experience
  • High residual income
  • Low debt-to-income ratio
  • Tax credits for child care
  • Tax benefits of home ownership
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VA Loans Qualifying Requirements | VA Home Loans Process | VA Loan Application | Services | Tools | VA Homes for Sale | VA Home Loans | Navigate | Contact / American Financial Network | 5861 Pine Ave., Ste A-1, Chino Hills, CA 91709 | NMLS 242141  |  California DRE 01317581  |  HUD Approved Lender

VA loans are insured by the Department of Veterans Affairs. VA home is not owned or operated by VA or VA Home is a mortgage banker specialized in providing information regarding VA loans for Veterans whom wish to use their VA benefits in the form VA loans to buy a home with no down payment or refinance. provides information on VA loans such as: VA loan qualifying, VA loan programs and information about qualifying for VA loans. 2000-2012. All Rights Reserved. Equal Opportunity Lender