VA Loans for Military Families
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.
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PROPERTY LOCATION
LOAN PURPOSE
UPDATED for 2012...
VA Limits and BAH Rates
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VA Loan Guidelines

Joint VA Loans (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.

VA Loan Articles

Read About News, Updates, and Guidelines

:: VA Loan Rules for Currently Serving Military Members
Currently serving military members who want to apply for VA insured home loans should know about the rules for VA loan applicants within a year of their current re-enlistment, retirement or separation date.

:: Is There an Age Limit on VA Home Loans?
The VA loan benefit is offered to all qualifying veterans who have met their time in service requirements and/or discharge requirements. Some military people use their VA home loan benefits as soon as they are eligible.

:: VA Loan Expenses and the Lender's Flat Fee
VA loans include fees and expenses a borrower is allowed to pay, but the Department of Veterans Affairs also has a list of expenses the bank is not allowed to charge the borrower.

:: VA Loan Limits for 2012 Posted
In 2012, the Department of Veterans Affairs alters the methods used to calculate the VA loan maximum amount. If Congress passes legislation permitting VA to calculate maximum guaranty as it has in the past, the numbers below could increase slightly.

:: Are Appraisals Required for Every VA Loan?
VA appraisal rules insure that a home purchased with a VA insured mortgage is safe and habitable for the borrower; the rules are also designed to make certain the property lives up to VA standards.

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Forms for Veteran Benefits
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VA LOAN RATES
New Home Loan
National Averages
for 5/27/2012

30 Year Fixed
0.000 points
3.750%
3.837% APR

15 Year Fixed
0.000 points
3.500%
3.655% APR

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