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VA Loan Reader Questions: Surviving Spouse Eligibility for a VA Loan

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A reader asks, “My husband was retired USN. He passed away in 2001. I have not remarried. May I file for VA Loan on his service record?  I have all the necessary paperwork. DD 214- Marriage Cert- Death certif. etc.”

The Department of Veterans Affairs official site has this to say about VA loan eligibility for surviving spouses:

“Spouses must apply by mail using VA Form 26-1817, Request for Determination of Loan Guaranty Eligibility – Unmarried Surviving Spouses. If your Veteran spouse died after service, VA must determine that the death was due to a service-connected disability. Please allow 2-3 months for this process unless you know that the decision on service-connected death has already been made.

If you can’t print the form, just call 1-888-768-2132 and follow the prompts for Eligibility and we will mail the form to you.

Send the completed form to:
VA Loan Eligibility Center
Attn: COE (262)
PO Box 100034
Decatur, GA 30031″

The VA official site lists two sections for eligibility when it comes to surviving spouses of military members who have died. One is for surviving spouses of military members who died while on active duty. That section states:

“If you’re already receiving Dependency and Indemnity Compensation (DIC), you don’t need to send any documents.  If you don’t receive DIC, please send us:

–A copy of the DD Form 1300 (Report of Casualty) from the military

–A copy of your marriage certificate

It would be a good idea to add a simple signed statement saying that you would like to apply for DIC. If you qualify for the home loan benefit, you probably qualify for monthly payments under DIC.  Put the Servicemember’s Social Security number on all documents.”

For surviving spouses of veterans who died as a result of military service, the VA official site states:

“If you’re already receiving Dependency and Indemnity Compensation (DIC), send us a copy of your award letter. (Generally, you will already have a record on file at a VA regional benefits office.) If you don’ t receive Dependency and Indemnity Compensation (DIC), please send us:

–A copy of the Veteran’s DD Form 214
–A copy of the Veteran’s death certificate
–A copy of your marriage certificate

We recommend that you add a simple signed statement saying that you would like to apply for DIC. If you qualify for the home loan benefit, you probably qualify for monthly payments under DIC. Put the Veteran’ s Social Security number on all documents.”

As these two sections imply, not all surviving spouses may be eligible for VA home loan benefits–much depends on your individual circumstances. Contact the VA directly for more information or assistance. Call them directly at 1-800 827-1000.

Do you have questions about VA loans? Ask us in the comments section.

Bruce Reichstein

About Bruce Reichstein

Bruce Reichstein is an Expert on (VA) Military/Veteran Home Loan Guidelines for over 26 years. He is an experienced VA Loan Mortgage Banker who is passionate about assisting US Military Veterans utilize their Veteran Eligibility to purchase a home.

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