It is easy to qualify for a VA loan if you are a servicemember or a military man (retired or in active duty) of the United States. In its core, the VA loan program is established to help thousands of modern American heroes own the homes they deserve. But what about their families? Is it possible to pass these loans to spouses and children?
Eligibility for Spouses
Qualifying for a VA loan as a non-veteran can be a bit difficult as eligibility is only declared to said individuals if they meet certain conditions. Per the Veterans Affairs, eligibility is rendered to individuals who are:
a) a spouse of a servicemember who is alive but is officially declared as missing in action or taken as a prisoner-of-war for at least 90 days (can be used only once)
b) an unremarried, surviving spouse of a deceased servicemember who died in active duty or as a result of a service-related injury or illness
c) a surviving spouse who remarries at or after 57 and on or after December 16, 2003
d) a spouse who originally purchased a home using a VA loan with a veteran or serviceperson is eligible to get a refi under the VA Streamline Refinance Program
As of now, there are no laws providing government assistance to surviving spouses of veterans who died of illness of disability not connected to service, although there are some legislators pushing for extended benefits to said individuals.
The eligibility and benefits also do not include the veterans’ children. If these aides do exist, much of them come either from local incentives or non-profits. Thus, it is best to inquire with your local or state housing department to know if there are programs available in your region dedicated to helping spouses and children of veterans.
The VA Loan programs are not limited to military or servicemen only. You can be eligible as well if you are:
- a bona fide citizen of the United States who served in the Armed Forces of a government allied with the US during the Second World War
- a Public Health Service officer
- a cadet of the US Military, Air Force, Coast Guard Academy
- a midshipman at the US Naval Academy
- an officer of the National Oceanic & Atmospheric Administration
- a merchant seaman with the WWII service
- National Guard members and reservists who completed six years of service in the Selected Reserve or National Guard and continue to serve in the Selected Reserve or were honorably discharged, placed on the retired list or transferred after honorable service to the Standby Reserve or an element of the Ready Reserve other than the Selected Reserve
If you are not certain of your eligibility for the program, consult our experts and get professional guidance on the subject.