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