This subject is one that we wish we didn’t need to cover, but the question comes up often.  When a veteran passes away, the family is often left with questions about benefit eligibility.

Do you still qualify to use a Va home loan?

The answer depends on how your spouse passed away. Below are the VA’s guidelines on spouse usage of a VA loan.

“The spouse of a Veteran can also apply for home loan eligibility under one of the following conditions:

• Un-remarried spouse of a Veteran who died while in service or from a service connected disability, or

• Spouse of a Service member missing in action or a prisoner of war

• Surviving spouse who remarries on or after attaining age 57, and on or after December 16, 2003 (Note: a surviving spouse who remarried before December 16, 2003, and on or after attaining age 57, must have applied no later than December 15, 2004, to establish home loan eligibility. VA must deny applications from surviving spouses who remarried before December 6, 2003 that are received after December 15, 2004.)

• Surviving Spouses of certain totally disabled veterans whose disability may not have been the cause of death”

Beyond this information, additional qualifications will need to be met.

If you are a surviving spouse and would like to speak to someone about your options, reach out to us at (916)358-9130 or email lindsay@thelindsayloanteam.com.