Is Surviving Spouse of Deceased Veteran Eligible for VA Home Loan?


By Frank Lozano, Amerisave Mortgage VA Home Loan Specialist

So today, I received this question from a widow of a veteran.

“Frank, am I able to get a VA Home Loan if I am the former spouse of a retired 30 year army colonel who passed away in 2004?”

Well, the unmarried surviving spouse of a veteran who died on active duty or as the result of a service-connected disability is eligible for the home loan benefit. In addition, a surviving spouse who obtained a VA home loan with the veteran prior to his or her death (regardless of the cause of death), may obtain a VA guaranteed interest rate reduction refinance loan. 

So the question is; “Does this lady want to refinance her home and does she currently have a VA Home Loan on that home?”.  If she does have a VA Home Loan and wants to refinance, then the answer is YES.  If not and she wants to refinance the home from a conventional mortgage to a VA Home or if she wants to buy a new home using the VA Mortgage benefit, then her husband would have had to pass away as a result of a service-connected disability or on active duty. 

It’s not clear from what the lady’s question what exactly is her eligibility status.  We simply need more information to determine her eligibility.


Comments Closed