VA Loan Eligibility for Surviving Spouses

A soldier and his family sits on the front stoop. (Photo: U.S. Army)
A soldier and his family sits on the front stoop. (Photo: U.S. Army)

Surviving military spouses may be eligible for a VA home loan if they have not remarried and:

  • Their spouse died in the service or from a service-related disability
  • Their spouse was missing in action (MIA) or a prisoner of war (POW) for at least 90 days (limited to one-time use of benefit)
  • Their spouse was rated continuously totally disabled for the specified period of time, and was eligible for disability compensation at the time of death by any cause

VA Home Loans for Surviving Spouses

The advantages that accompany VA loans can make them an affordable option when purchasing or refinancing a home. Military survivors can expect:

  • No VA funding fee
  • As little as zero down
  • Up to 100% refinancing of appraised value
  • No monthly mortgage insurance premiums
  • Low interest rates that are nationally competitive
  • No penalties for early payoff or balance reduction
  • VA streamlined refinancing even if ineligible for full VA loan benefits

Take the Next Step

If you're ready to move forward, or just want more information, the first step is to get no-obligation rate quotes.

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VA Loan Benefits