Military Spouses and VA loans

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Perhaps one of the most important roles in the VA loan program is played by military spouses. Spouses are allowed many privileges that simply aren’t extended to others.  

A spouse, whether a military member or not, can co-sign on VA loan.  With a joint VA loan application, a spouse’s credit and income can be used to help qualify for the loan. 

A military spouse can also satisfy the VA occupancy requirement if the VA-eligible borrower is deployed away from home.  The general rule is that the home financed with a VA loan must be occupied by the borrower, or the military spouse, within 60 days after closing. 

If the military member is deployed overseas, and can’t make it back to sign VA loan documents, then a spouse may act as Power of Attorney (POA).   According to the VA guidelines, a POA can sign all VA loan documents on an eligible borrower’s behalf — and even obtain COE. 

If the spouse becomes widowed by a military member on duty or from duty-related injuries, then he or she is eligible for VA home loan benefits.  

For more information about the role of military spouses in VA loans, speak with a VA mortgage professional.


Ashleigh Downing

 Ashleigh Downing is the Social Media Director for iFreedom Direct. She has been working with and writing about veteran’s benefits and issues for the past three years.

iFreedom Direct is a top national VA lender that specializes in assisting active members and retired veterans of the Armed Forces with VA loans.


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