{"id":34109,"date":"2018-02-07T10:58:00","date_gmt":"2018-02-07T10:58:00","guid":{"rendered":"https:\/\/one.sightlinemg.com\/marinecorpstimes\/uncategorized\/2018\/02\/07\/va-joint-loans-7-things-to-know\/"},"modified":"2026-08-08T03:07:07","modified_gmt":"2026-08-08T03:07:07","slug":"va-joint-loans-7-things-to-know","status":"publish","type":"post","link":"https:\/\/one.sightlinemg.com\/marinecorpstimes\/va-loan-center\/2018\/02\/07\/va-joint-loans-7-things-to-know\/","title":{"rendered":"VA joint loans: 7 things to know"},"content":{"rendered":"\n

If your name won\u2019t be the only one on your mortgage, you may need to do a bit more homework when it comes to the VA loan<\/a> process.<\/p>\n\n\n\n

Eligibility requirements<\/a> and basic paperwork needs<\/a> won\u2019t change, but other portions of the path between offer sheet and closing may have a few more hurdles. Here are a few facts to keep in mind:<\/p>\n\n\n\n

1. What is \u201cjoint\u201d? <\/b>It seems simple, but not every loan involving more than one person is a joint loan. If your spouse is on the loan, it\u2019s only considered \u201cjoint\u201d if he or she is also using VA loan benefits. Otherwise, it\u2019s not processed under joint guidelines.<\/p>\n\n\n\n

\u201cJoint\u201d applies to all other instances when more than one individual is part of the loan process, including multiple VA loan benefit users and\/or partners who are not spouses of the veteran(s) involved. One exception: If you intend to marry the other individual on the loan prior to closing, the process can be started as a non-joint loan and finished that way if the marriage takes place.<\/p>\n\n\n\t