VA Loan Guidelines

Joint VA Loans (VA Loans with Co-signors)

What is a VA Loan?
VA Loan Closing Costs
Debt to Income Ratios
VA Funding Fee

VA Credit Issues
The Law on Occupancy
Co-signors or Joint Loans
Your VA Loan Checklist

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.