Can Family Members Use VA Loan
Can Family Members Use VA Loan

Can Family Members Use VA Loan?


When it comes to buying a home, many people rely on loans to fulfill their dreams. One popular loan option available to eligible individuals is the VA loan, which is specifically designed for veterans and active-duty military personnel. However, a common question that arises is whether family members of veterans can also utilize the VA loan. In this article, we will explore the eligibility criteria and guidelines for family members to use the VA loan.

Eligible Family Members

  • Spouse: The spouse of a qualifying veteran or service member can use the VA loan benefit. This includes married couples as well as surviving spouses of deceased military personnel.
  • Children: In certain cases, dependent children of a veteran may be eligible for a VA loan. This typically applies to unmarried children who are under the age of 18 or still attending school.
  • Parents: In some instances, parents of a veteran who is permanently and totally disabled may also qualify for a VA loan.

Requirements for Family Members

While family members of veterans can use the VA loan, they must meet certain requirements to be eligible. Here are the key criteria:


To qualify for a VA loan as a spouse, the following conditions must be met:

  • The marriage to the veteran or service member must be legally recognized.
  • The spouse must intend to live in the home as their primary residence.
  • Proof of income and creditworthiness may be required, as with any other borrower.


For dependent children to be eligible for a VA loan, the following requirements generally apply:

  • The child must be unmarried and under the age of 18, or under 23 if attending school.
  • The child must be financially dependent on the veteran.
  • Proof of income and creditworthiness may be necessary.


Parents of a disabled veteran may qualify for a VA loan if the following conditions are met:

  • The veteran must be permanently and totally disabled as a result of their military service.
  • The parents must intend to live in the home as their primary residence.
  • Proof of income and creditworthiness may be required.

Applying for a VA Loan as a Family Member

If you are an eligible family member and wish to utilize the VA loan benefit, the application process is similar to that of a veteran or service member. Here are the general steps to follow:

Step 1: Obtain a Certificate of Eligibility (COE)

The first step is to obtain a Certificate of Eligibility (COE) from the Department of Veterans Affairs. The COE verifies your eligibility for the VA loan program. You can apply for a COE online through the VA’s eBenefits portal or by submitting a paper application.

Step 2: Find a VA-approved Lender

Next, you need to find a lender who is approved to offer VA loans. VA-approved lenders have experience with the VA loan program and can guide you through the application process. Research different lenders, compare interest rates, and choose the one that best suits your needs.

Step 3: Gather Required Documents

As with any mortgage application, you will need to gather certain documents to support your loan application. These may include proof of income, bank statements, tax returns, identification documents, and any other paperwork requested by the lender.

Step 4: Complete the Loan Application

Once you have all the necessary documents, you can begin the loan application process. The lender will guide you through the application, which involves providing personal and financial information, as well as details about the property you wish to purchase.

Step 5: Wait for Approval and Closing

After submitting your loan application, the lender will review your information and assess your eligibility. If approved, you will proceed to the closing stage, where the loan documents are signed, and the funds are disbursed for the home purchase.

Frequently Asked Questions (FAQ)

Q1: Can family members use the VA loan more than once?

A1: Yes, family members who are eligible for the VA loan benefit can use it more than once, as long as they meet the eligibility requirements and the previous loan has been repaid or released.

Q2: Can family members use the VA loan for investment properties?

A2: No, the VA loan is intended for primary residences, and family members cannot use it to finance investment properties or vacation homes.

Q3: Are there any loan limits for family members using the VA loan?

A3: Yes, similar to veterans and service members, family members are subject to loan limits set by the VA. These limits vary depending on the location of the property and can change annually.

Q4: Can family members assume a VA loan?

A4: Yes, eligible family members have the option to assume an existing VA loan. Assumption allows them to take over the loan terms, interest rate, and repayment responsibilities from the original borrower.

Q5: Do family members have to pay the VA funding fee?

A5: In most cases, family members using the VA loan are required to pay the VA funding fee. The fee amount depends on factors such as military category, down payment, and whether it is the first or subsequent use of the loan benefit.

Q6: Can family members use the VA loan for home renovations?

A6: Yes, the VA loan can be used to finance home renovations or improvements. The VA offers specific loan programs, such as the VA Renovation Loan, that provide additional funds for remodeling or upgrading a property.


In conclusion, family members of qualifying veterans and service members can indeed use the VA loan to purchase a home. Spouses, children, and parents, under certain circumstances, can benefit from this loan program. By meeting the eligibility criteria and following the application process, family members can take advantage of the favorable terms and benefits provided by the VA loan program. If you are an eligible family member, consider exploring the option of a VA loan to make your homeownership dreams a reality.

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