The VA home loan benefit, from service record to front door
VA loans with a co-borrower
Bottom line
A spouse can usually join a VA loan without changing the guaranty. A non-veteran who is not a spouse can join, but the guaranty may cover only the veteran's share, so a down payment may be needed. Two eligible veterans can also buy together.
Last reviewed against the primary sources listed below.
Ask your lender
- How the co-borrower affects the guaranty.
- Whether a down payment applies.
- Whose income counts.
What veterans and families ask
Can my spouse be on my VA loan?
Yes, spouses commonly join VA loans.
Can a friend co-borrow on a VA loan?
Possibly, but the guaranty may cover only your share.