VA Loan Eligibility for Surviving Spouses
Many surviving spouses of deceased veterans have used the Home Loan Guarantee Program to purchase property. The VA's policy is that these surviving spouses are permitted to use their deceased spouse's entitlement in the Home Loan Program. However, if the surviving spouse gets remarried they are no longer entitled to participate in the VA's Home Loan Program. In the Veterans' Millennium Health Care and Benefits Act this policy was revised to allow surviving spouses to use their deceased spouse's entitlement even if they have remarried as long as they are no longer married.
This means that for surviving spouses of deceased veterans:
- You can use the Home Loan Program to purchase property if you have never remarried.
- You can use the Home Loan Program to purchase property if you have been remarried and are now divorced from that marriage.
- You can use the Home Loan Program to purchase property if you have been remarried and your marriage has ended due to the death of a spouse.
Find answers to any other questions in the VA Loan FAQs.
As long as the surviving spouse is not married at the time they apply for the Home Loan Program they may be eligible. The surviving spouse loses entitlement once they are remarried, but gets their entitlement restored once the new marriage is over and they are no longer legally married.
If you are the surviving spouse of a deceased veteran who believes your entitlement in the Home Loan Program may be restored contact the Los Angeles eligibility Center at 1-888-487-1970 or the Winston-Salem Eligibility Center at 1-888-244-6711 for more information.
If you are a surviving spouse of a deceased veteran and would like to see if you qualify for a VA loan, please fill out our short online form.