VA requirements

VA Loan Eligibility For Surviving Spouses of Military Members

December 15, 2011

VA Loan Eligibility For Surviving Spouses of Military Members

Recently we’ve been discussing the rules for VA loan eligibility, getting a VA Certificate of Eligibility or COE, and the required procedures for getting that paperwork.

Because not all veterans serve in the same ways, and because the requirements for getting a VA COE vary based on whether the applicant is active duty, or a member of the Guard/Reserve.

And there are also separate rules for another category of COE applicants–surviving spouses of military members who have died on active duty or as a result of military service.

The VA offers VA loan eligibility to surviving spouses who meet the criteria mentioned above, and also to those who are spouses of POWs or MIAs. The rules for VA loan eligibility for spouses include a requirement that only surviving spouses who have not remarried are eligible for a VA insured home loan, but there is an exception to this rule.

According to the VA official site, “…a surviving spouse who remarries on or after attaining age 57, and on or after December 16, 2003, may be eligible for the home loan benefit.  However, a surviving spouse who remarried before December 16, 2003, and on or after attaining age 57, must  have applied no later than December 15, 2004, to establish home loan eligibility.  VA must deny applications from surviving spouses who remarried before December 6, 2003 that are received after December 15, 2004.”

VA loan rules for surviving spouses who need to apply for a VA Certificate of Eligibility in order to begin the VA home loan process must go through a different procedure than those who serve in the military. Unfortunately, it’s not as simple as asking the lender to help file the paperwork and supporting evidence. We’ll cover the unique requirements for surviving spouses in another blog post.

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