VA requirements

VA Loan Eligibility Requirements for Surviving Spouses

August 15, 2013

VA Loan Eligibility Requirements for Surviving Spouses

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The VA official site says surviving spouses of military members who died on active duty or as a result of military service may be eligible for the VA home loan benefit. The first step in claiming this benefit is to apply for eligibility.

The VA official site lists a set of procedures needed to establish eligibility for surviving spouses, saying “…you will need a Certificate of Eligibility (COE). The COE verifies to the lender that you qualify for a VA-backed loan. This page describes the evidence you submit to verify your eligibility for a VA home loan and how to submit the evidence and obtain a COE.”

What evidence does the VA require? According to the official site, “The evidence you need depends on the nature of your eligibility.” Which means that surviving spouses of those who died on active duty may have different requirements than for those who had military spouses who died as a result of military duty.

Here is a breakdown of the requirements for both. For surviving spouses of military members who died on active duty, the VA official site says you need to know the following information:

“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 military members who died as a result of military service:

“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.”

In both cases, you will need to send your documentation directly to the VA for processing. For more information contact the VA directly at 1-800 827-1000.

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

 

2 Comments
  1. JULIAN PEASANT

    can the wife of a retired with 21 years of air force reserve duty apply for a va loan from his va entitlement if he has never used it yet?[with good credit history} ?they r still married

    • Joe Wallace

      In general, the spouse alone may not be able to use the veteran's VA loan benefit without involving the veteran. VA loan eligibility tables have no provision for a "spouse alone" application unless the veteran has died.

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