VA requirements

Loan Eligibility: Who Else Can Qualify?

February 6, 2019

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Loan Eligibility: Who Else Can Qualify?

va loansWe have discussed applying for VA loan eligibility and how it can be done through the lender before. Active duty military, retired and separated military, plus members of the National Guard and Reserve who meet the time in service and/or discharge requirements may all apply for VA loan eligibility. This can be done online, by mail or even with the lender’s help.

But is there anyone else who is qualified to apply for VA home loan benefits? Can surviving spouses of veterans or the children of veterans also apply to use this benefit?

At the time of this writing, current legislation does not permit children of veterans alive or dead to apply for a VA home loan. There have been many changes to VA benefits including allowing spouses of veterans to use the G.I. Bill in some cases, and it’s entirely possible that at one point, somewhere down the road, the government may decide to explore allowing veterans’ children this option. But under the current rules, it is not permitted.

Surviving spouses of a deceased veteran may apply for a VA home loan under specific circumstances as spelled out in VA regulations. According to the VA’s official website, “The unmarried surviving spouse of a veteran who died on active duty or as the result of a service-connected disability is eligible for the home loan benefit.”

Additionally, the VA allows a spouse to apply for a VA refinancing loan if he or she had a VA loan with the deceased veteran previously (this is allowed regardless of the cause of the veteran’s death).

At the time of this writing, some spouses may believe they can apply for a VA loan using the “age 57 rule” which states, “…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, it’s important to note that there’s a limitation on that rule for some applicants. “…a surviving spouse who remarried before December 16, 2003, and on or after attaining age 57, must apply no later than December 15, 2004, to establish home loan eligibility. VA must deny applications from surviving spouses who remarried before December 16, 2003 that are received after December 15, 2004.

Surviving spouses who wish to apply for VA loan eligibility should contact the VA or check out the VA’s benefits page for more information.

  • melinda (Adcock) Herrera

    I am a child of vetran from 1945 to 1962, He was in the Navy and foight in the korean war, My question is, Can his children use his va loan to purchase a home, or go back to School ECT, Sincerly, Melinda Herrera

    • Joe Wallace

      Hi Melinda, thanks for your question. A surviving spouse of a military veteran can under some circumstances be allowed to use a VA loan benefit but dependent children are not according to the VA official site FAQ: http://www.benefits.va.gov/homeloans/faqelig.asp Hope this helps!

  • Eve

    Hello I was wondering how VA loans work. My husband is entitled to a VA loan but has not had an income of his own in the last 2 year.We have filed out taxes jointly. Would I qualify as a co-signer or some thing similar since I am the one who has been the head of household income wise? Or would we have to wait for him to have an income for the next 2 years or so??

  • Barbara Toledo

    I was in the military from 1990-1993 active and served during desert storm. I am now married and my current husband is not prior military and pays a mortgage on an existing loan. My question is: Can he put the home in my name and I refinance it with a VA loan? Thank you, Barbara

  • Melissa

    I have a question. My husband is active duty military and we've been married 10yrs.Now we are separated.Would i be able to apply for a VA loan or would he have to? Thank You

  • Patricia Oramas

    I would like to know if i can apply for a VAloan as a spouse jointly with my husband. He is in the reserve but he does not have the credit score required for VA loan and i do.

  • ana sosa

    Hi I was married to a veterans he passed away on 3-31-2010 I will like to know if I can transfer my v.a loand to my daughter or can I use my v.a. loand and add my daughter witch she's the veterans dependent child that gets benifits from her dad

  • Bill

    I am honorably discharged, but only served 15 months on active duty. Does being in the ready reserve count towards qualifing for a VA loan ?

  • Michael

    My wife and I are both active duty. We are separated, pending divorce, but still legally married. She has applied for a loan on her certificate. I have already signed a document with the title agency stating I hold no interest or stake in the house. Now her lender is telling her that the VA requires MY debts and liabilities to be listed on her application. I am not cosigning. I will not be living in the house. I know that, by VA rules, my income does not count for loan determination. She is not a party to any of my existing debt. Does the lender, or VA, actually need my debts, liabilities and credit record for HER to get approved?

  • Terrell Jay

    My father is veteran And I was wondering as a non-veteran could I qualify for a V.A. Loan for a home.

  • Viola Jackson

    I was discharged from the US Navy In 1964 and previously applied for a certificate for a VA loan which I received about 10 years ago I never used it. How do I go about getting a replacement?

  • Mike Giovannoni

    I have my VA Loan eligibility certificate. I have never used my VA Loan. Can I use the VA Loan with my son?

  • Stefanie

    I am the daughter of a deceased Veteran he was 100% disable before his death are there any benefits that i can use I am 31 years old.

  • Kimberly

    Hello, I took out a VA loan while single, however, I plan to marry in August of 2014. If I passed before my spouse, will she still be allowed to live in the house?

  • Dominique

    Hello, My father (who is a veteran) lives with me, never did use a VA loan. Recently we talked about buying a house, he gets a social secretly check every month but I am the one who works so I am the one who takes care of all the expenses. Basically what I am asking is, could we go on the loan together, he does get income but of course with it being fixed income it may be better if I showed mine as well, is this possible.

  • nick

    I got 2 questions! can I transfer transfer my va home loan to my sister or let my sister to use my va home loan if i permit the va to let my benefit togo with my sister because I've served in armed forces for 4 years and honorably discharge!??? 2nd, Im a vet who's served in armed forces and honorably discharged than will it be ok to let a girlfriend of mine to purchase a house under her name but use my va home loan as long as i agree to!??

  • Robert Quednau

    I am not a Veteran, My Son is a Veteran, He lost his home due to a, Dear John letter/ foreclosure / divorce, when he was deployed in Afghanistan. We both have good income and I have good credit, can we buy a home together as joint owners, as he works overseas 9 months out of the year?? Thank You.

  • Leisha Coronato

    My ex-husband was active duty and I am remarried can I get a home mortgage off his retirement now?

  • angela giles

    My father was a veteran, who is now deceased. He served in the military for 2 years. He was honorably discharged in 1967. He never used his VA loan. His wife is still living. Is she eligible to use the loan or would I, his daughter, be able to use the loan?

  • Darlene Munoz

    Hi I wanted to know if I am eligible for my deceased x husband VA Certificate . We were married 15 years. Then we got divorced. He remarried in 2006 and died 2013. He was married for 8 years then died. His wife destroyed my marriage and destroyed my x husband. He was locked up in a va hospital for mental depression due to his x wife. I have been by myself for 25 years never remarried.

  • Denise Speerly

    Can parents use the vs p and to buy a home? This home will be left to the boys serving. Thank you...

  • ma rcella seachrist

    My brother and father now deceased. were in Army. Can I. apply for VA loan. My daughter and her husband looking for a house. can they too also apply

  • Hailey

    My father is a disabled vet. My question is even though I am no longer a dependent of his, am I eligible for a home loan myself.

  • Linda dansby

    What happens to there loan when they pass away they fought for there country it should still be therrs To help out there family tather here or dirs

  • harley

    hi if my father gets a va home loan which he has already qualified for and passes away before the loan is payed of would i be able to take over the loan under the same note or would it go back?

  • mdezort

    My veteran disabled father just passed away and he has a VA loan on his home. What happens now? Can I save his home? I am his only living child or heir. He had no will.

  • towanna ford

    My husband was in the military for 20 years 1965-1985. He was married to his ex-wife for 12 years. We were married for 5 years. He passed away August 2014.. I would like to obtain a loan to go to school. Is this possible

  • edith davis

    my husband served 4 years in the army has since died and not military related; am I entitled to a va home loan or for that matter any benefits.

  • tins

    I was horonable discharged from the navy served 4 years. Was wondering can my mom use my via home laon to buy build a new house on her land?

  • demetria lozano

    My son is active duty and I'm a vet can we use the VA loan if he is station in another city but same state and will tdy in 2 months to korea

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