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Can my son or daughter use my Wife's VA Loan?

by Kimberly R.
(Newhall, CA)

To Whom it May Concern: I was wanting to know if my step-children can use my VA loan to buy a house? My husband(their father)is also a vet and we used his VA Loan to buy our home.

And I would like to allow either one of my step-children to use my VA loan if that possible? Or can my husband, although he has a VA Loan on our house, can he still let them use the part of his VA Loan that was not used to buy a home for themselves.

Or could they use mine being their stepmother?Please let us know how and if this can be done and is if can do they get the same type loan we received with some costs paid for us and zero down etc.

Kimberly R

Thank You very Much. I would very much like to hear from you soon, Please e-mail me the answers.

Once again thanks, Russell And Kim R.


Hello Kim,

Thank you stopping by our website and asking your questions. Also I wanted to give you a big shout out for providing all the details so I can give you the best answer.

In answer to your questions, the VA loan is only for the Veteran him/her self. In other words, only the person who served in the military can obtain the home loan which is guaranteed by the VA.

Your children or step children would have to be vets themselves to get in one one of these type of loan programs.

Besides that, you can only have one VA loan at a time. So you or your husband both being Vets cannot buy a home for your children using the VA Loan.

You may want to visit my page that talks about the va certificate of eligibility that explains in detail how the process begins.

Another page to consider looking at would be va loan requirements which helps you understand all the requirements to get a VA home loan.

Sorry about not having any real good news for you here. Uncle Sam gives Vets these benefits and only them for their service.

If you have any other questions feel free to ask them below so you can keep them in this same thread on my blog.

Also, if you don't mind, help me spread the word by liking us in your FaceBook or give us a shout in your Twitter account.

Kind Regards,

Jeff Ragan

Comments for Can my son or daughter use my Wife's VA Loan?

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Can I buy my son a house using a VA Loan
by: D.Cooper


My son is having huge financial problems including a bankruptcy. I was wondering if I would be able to buy a house using a VA loan and he would make the payments to me. My wife and I are currently home owners but not using a VA Loan.

Thank you,

RE: Can I buy my son a house using a VA Loan
by: Jeffrey

For a VA loan to be used in purchasing a home, it requires that you live in the house.

Since this is your loan guarantee and not that of your son's the VA will not allow this.

You would have to falsify documents to say you're going to live in the house. That would be illegal and considered loan fraud so I cannot recommend it.

Perhaps you may want to explore other ways to help your son.

VA loan question
by: Anonymous

Hello, my father is a veteran his credit score is in line with the VA but income is low. I have a great score and income but not a vet. can my veteran father and I, his daughter, get a VA loan under his benefits?

VA Loan Benefits
by: Jeffrey

I've been getting a lot of questions like this lately. Many people have wondered if they can be on a VA mortgage with a relative when they are not a vet themselves. So a father is the vet and a child is not. Normally the reason is because of credit or income neither party qualifies by themselves.

The answer is yes, however, the whole idea for many people using the VA loan Guarantee is to save money on the down payment. The idea of a zero down loan becomes obsolete if a non-spouse goes on a VA loan with the vet. In most cases the VA benefits will only apply to the portion of the mortgage for the veteran only.

So the other co-borrower will have to qualify on their own. Generally it requires a higher down payment. It could be as much as a 20% down payment depending on the lender.

So while using VA benefits can help, the guidelines for this loan that I'm reading will not allow the zero down loan portion because the co-borrower is not married to the vet.

When you look at the down payment requirements being higher, the VA funding fee of 2.15% for the vets portion of the mortgage, most of the reasons people want to use the VA loan goes away.

In a case like that, it may be better to try for a conventional loan. Some of the conventional loans these days offer the 3% down payment option.

However, one other thing to consider is who is living in the home. Both parties on a mortgage, in most cases have to be residents. There may be some lenders that will allow a non-occupant co-borrower which is another reason for the higher down payment.

Can the daughter of an deceased vet quality for a va home loan
by: jena

My father was a vet and died. He never used the VA home benefit loan, has the VA ever made exceptions and allowed a VA dependent to use this benefit?

Can the daughter of an deceased vet quality for a va home loan
by: Jeffrey

To my knowledge, there has never been an exception to the VA Home Loan benefit. VA Home Loans are assumable by non-veterans, but you would have to purchase a home from someone who has used their VA benefits.

In your situation, its not possible. You would have to be a veteran yourself.

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