Now that you know a little more about the VA loan, the next question you may be asking yourself is am I eligible for a VA loan? for those of you who fall in the line of eligibility are veterans, service members, and surviving spouse. home buyers must satisfy only one of the service requirements wich are war time (90 consecutive days) or peace time (181 of service days). if this is you, you might just be eligible for a VA loan and for those surviving spouse if your spouse was a service member who died in the line of duty or as a result of a service-related disability you may be eligible for a VA loan.