At Veterans Mortgage, we ensure that all loan options adhere to VA guidelines, including only borrower combinations that the VA allows for financing. Whether you’re applying individually or with a co-borrower, we’ll help you navigate VA eligibility requirements to secure the best mortgage solution.
- Veteran
- Veteran and non-veteran spouse
- Two veterans who are married to each other, and only one veteran will be using entitlement.
- Two veterans who are married to each other where each veteran will be using entitlement (as long as the factor for the VA Funding Fee is the same for both veterans)
- Surviving spouse of an eligible veteran (if determined eligible by a VA-issued COE).
- Spouse of an active-duty service person who has been listed as MIA or POW for more than 90 days (if determined eligible by a VA-issued COE).
- Two veterans who are not married to each other, where each veteran will be using entitlement (Joint Loans).
- Two veterans where the factor for VA Funding Fee is not the same
Eligible Veteran/Borrower Combinations that require prior approval by VA:
Joint loans to a Veteran and one or more non-spouse, non-veterans (must still provide a 25% guarantee)
- Joint loans to a Veteran and one or more non-spouse Veterans who will not be using entitlement (must still provide a 25% guarantee)
- Ineligible Veteran/Borrower Combinations
If you’re a veteran needing creative mortgage financing, contact us, and we’ll connect you with a Veteran loan specialist.
