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Frequently Asked Questions

Can I bring on a co-signer on my VA home loan?

It's true that the legally married spouse of a military member or veteran can co-sign a VA loan. There is no penalty for doing so; the veteran loan is still fully guaranteed by the VA. Two unmarried military members are also able to co-sign on a VA loan with the same results. When a military member or veteran wants to bring an unrelated, non-military cosigner, the VA allows this with one major exception.

The VA guarantee is limited to the amount of the veteran's interest in the property. Some companies won't allow these types of "mixed" loans, so you may have a bit of shopping around to do before finding a lender willing to work with you. If you find yourself in this position, give yourself plenty of extra time to hunt for the right lender.

MORE: Read about the different co-borrowing scenarios allowed for VA loans.

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Compare Top VA Purchase Lenders

Take the guesswork out of finding a VA Loan provider. Veterans United Home Loans created this site to educate and empower military homebuyers. Regardless of what lender you pick, it's always a good idea to compare and know your options.

  • NMLS #1907
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    • Veterans United ranks No. 1 in Customer Ratings for VA purchase lenders, according to ratings and reviews collected by TrustPilot.
    • In 2019, Veterans United closed 46,019 VA Purchase Loans, which was 9% of all VA Purchase Loans closed nationwide last year.
    • VA Loans were 100% of the company’s total loan volume.
  • NMLS #401058
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    • USAA ranks No. 5 in Customer Ratings for VA purchase lenders, according to ratings and reviews collected by TrustPilot.
    • In 2019, USAA closed 28,484 VA Purchase Loans, which was 8% of all VA Purchase Loans closed nationwide last year.
    • VA Loans were 64% of the company’s total loan volume.
  • NMLS #399807
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    • Navy Federal ranks No. 3 in Customer Ratings for VA purchase lenders, according to ratings and reviews collected by TrustPilot.
    • In 2019, Navy Federal closed 26,391 VA Purchase Loans, which was 6% of all VA Purchase Loans closed nationwide last year.
    • VA Loans were 53% of the company’s total loan volume.
  • Customer Ratings: Customer Ratings based on ratings and reviews provided by TrustPilot. VALoans.com is not affiliated with TrustPilot and has no control or influence on how users rate each lender.
  • 2019 VA Loans: Total VA loan volume for fiscal year 2019 as reported by the Department of Veterans Affairs (VA Home Purchase, VA Interest Rate Reduction Refinance, VA Cash-Out Refinance).
  • % VA Volume: Percentage of lender's total loan volume which is comprised of VA Loans, determined from Product Mix data found under Lender Search located here.