A VA approved lender; Mortgage Research Center, LLC – NMLS #1907. Not affiliated with any government agency. Not available in AZ, IL, MN, NV, or NY.

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.

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NMLS #1907 | Equal Housing Lender | VA Approved Lender; Not a government agency
Not available in AZ, IL, MN, NV, or NY

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
--> VA Loan Benefits for the Spouse Alone?

In general, VA loan rules that cover VA loan eligibility for a new purchase have specific guidelines for active duty, members of the Guard and Reserve, as well as regulations that address VA loan eligibility for military spouses in two separate categories

--> What Is The DD214? - VALoans.com

When military members out-process as part of retirement or separation, getting the DD214 is one of the last things to happen. Your DD214 is needed for a VA loan.

--> Which VA Refinancing Loans Require Occupancy?

VA Refinancing Loans have their own set of rules concerning occupancy and refinancing. Learn these rules so you are ready when it is 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 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.