VA Mortgages: How Many Borrowers on a Loan?

Real Estate Agent with America's Network Realty Group, Inc

We receive a number of inquires through our website. We get questions that I am sure there are others who have the same questions, and looking for answers. At the suggestion of a colleague, I decided to address these questions on my blog, for the benefit of others who might be seeking the same answers.

A veteran called and was interested in a house available for sale on our website: I inquired if he had obtained his Certificate of Eligibility. He had not, so I emailed him the following link, so he could work on getting his certificate on line.

The question: “Who and how many people could go on a VA Home Loan?”.

The veteran along with his or her spouse can be borrowers on a VA Home Loan. The veteran and his girlfriend/boyfriend and or fiancée cannot, unless they themselves are veterans, and are eligible. If the father of the vet, who is also a vet has VA home loan eligibility, and will live with the vet, then they both can go on the loan, as long as the father can qualify on his income and credit. If his/her father is deceased and if the mother has inherited her late husband’s eligibility, and has not remarried, she may also be a co-borrower.

Posted by

Susan Jackson, Associate Broker

Americas Network Realty Group, Inc

1532 Dunwoody Village Parkway

Atlanta, Georgia 30338

Office: 770-551-5850     Direct: 770-551-5852   Fax: 770-551-5866



Americas Network Realty Group, Inc

Comments (2)

Rockie Marvel, REALTOR (214) 801-0908
Keller Williams Central ( - Richardson, TX
Your Dallas Area Real Estate Resource

Thanks for the clarification.  I recently worked with a disabled veteran with 100% benefits.  This particular buyer was getting into his home with literally no money to closing.  It's amazing the opportunity out there for our Veterans and they are truly deserved!

May 02, 2011 11:52 AM
Kim Inman
Mountains to Lakes Real Estate, Inc. - Harriman, TN
CRS, Broker/Owner

Susan...very helpful information.  I seldom have the opportunity to work with buyers wanting to use their VA loan eligibility but it is still one of those few 100% loans available to a buyer.

May 02, 2011 12:39 PM