VA loans

VA Loan Reader Questions: Surviving Spouses

November 26, 2014

VA Loan Reader Questions: Surviving Spouses

079-logoA reader asks, “My husband died, can I use his VA loan to buy a house?”

In general, VA loan rules do permit surviving spouses of military members to use the VA loan benefit under certain circumstances. We’ll address those in a moment, but for those who already know they qualify for the VA loan benefit, follow the VA official site’s instructions:

“Spouses can take the VA form 26-1817 to their lender for processing or may mail the 26-1817 and DD-214 (if available) to the following address:

VA Loan Eligibility Center
Attn: COE (262)
PO Box 100034
Decatur, GA 30031

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.”

That information can be found on the VA’s official site.

Who is eligible to apply for a VA loan under the surviving spouse category? According to the VA, “the spouse of a veteran can also apply for home loan eligibility under one of the following conditions:

  • Un-remarried spouse of a veteran who died while in service or from a service connected disability, or
  • Spouse of a servicemember missing in action or a prisoner of war
  • Surviving spouse who remarries on or after attaining age 57, and on or after December 16, 2003
    (Note: 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.)
  • Surviving spouses of certain totally disabled veterans whose disability may not have been the cause of death “

Not all surviving spouses may qualify for the VA loan benefit, but never assume this is true of your circumstances–always contact a lender or the VA directly to see if you can apply for this important benefit or under what circumstances you may apply.

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