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Joint VA loans are available to veterans and their legally married spouses. VA guidelines make it possible for more than one eligible veteran to use VA loan benefits. These loans can be fully guaranteed by the U.S. Department of Veterans Affairs.


Joint VA Loans

VA Loan Guidelines: VA Loans with Co-signors

The VA guidelines recognize legally married spouses of qualified veterans as co-signors on VA loans and can include their income. These loans can be fully guaranteed by the VA.

The VA guidelines will allow for more than one eligible veteran(s) to purchase a home. If more than one eligible veteran is involved, VA divides the entitlement charge equally between them, if possible. These loans can be fully guaranteed by the VA.

While the VA guidelines may allow for a non-veteran to co-sign for a mortgage loan, they will not fully guarantee the loan. The VA Guarantee is limited to that portion of the loan allocated to the veteran's interest in the property. That means the VA will not fully guarantee this type of loan and our company cannot originate loans that are not fully guaranteed by the VA.


Read About Veteran Mortgage News, Updates, and Guidelines
--> Which VA Refinancing Loans Require Occupancy?

If you have an existing VA home loan, you already know about the VA occupancy requirement for these loans. But some home owners are confused when it comes to these rules when it’s time to refinance the mortgage.

--> VA Loans for Guard/Reserve Members

Are you a member of the National Guard or are a Reservist interested in using your VA home loan benefits? Do you know what the basic eligibility requirements for using your VA loan benefits are?

--> VA Home Loans in Separate States?

Borrowers interested in buying a home with a new purchase VA mortgage are required to certify that they will live in the home personally and that the property is to be used for their personal occupancy.

--> VA Benefit Updates for Same Sex Couples and Joint Loans

This update to VA home loan rules includes a warning for same-sex married couples who may be eligible for VA mortgage loans. Since not all states recognize same-sex marriages, VA loan procedures and requirements may depend on the location of the borrower.

--> VA Loans For Non-Home Use?

In general, VA loan rules don’t allow for personal loans or other credit for uses other than buying a home. The VA loan program only guarantees new purchase home loans or refinancing loans.