There are many factors that go into determining eligibility for VA loans. The Department of Veterans Affairs has a comprehensive guide that can provide you with the information you need. Typically, eligibility requires verifying your service meets the minimum thresholds as established by the VA and having qualifying credit. Credit score minimums for VA loans typically hover around the 620 mark. Once you have gathered your documentation, you will apply for a Certificate of Eligibility (COE). You can do so online, by mail, or through your lender. This is the document the VA uses to confirm to the lenders that the veteran has met minimum service guidelines required for VA loans.