Eligibility Is Specific
Eligibility for surviving spouses depends on defined circumstances set by the VA. Because those details are personal, we review them with you privately.
Surviving Spouses
A Benefit ThatHonors Their Service.
Certain surviving spouses may be eligible for the VA home loan benefit. The rules are specific, the paperwork is personal, and too many families are never told the benefit exists at all.
We will handle this carefully, at your pace, and we will never pressure you.
Every loan officer on our team is a Veteran or a military spouse. Call (678) 488-0608.
Handled With Care
Military Serving Military™
What to Know
How This Benefit Generally Works.
The VA Decides
Only the U.S. Department of Veterans Affairs determines eligibility. A lender cannot approve or deny it — we help you submit the request correctly.
VA Form 26-1817
Surviving spouse eligibility requests are typically made using VA Form 26-1817, along with supporting documentation.
Funding Fee Exemption
Eligible surviving spouses are generally exempt from the VA funding fee, which meaningfully reduces closing costs.
Remarriage Rules
Remarriage can affect eligibility, and the rules depend on the circumstances and timing. This is worth confirming rather than assuming.
The Loan Itself
Once eligibility is established, the loan follows the same VA requirements, including credit, income, occupancy, and property review.
Gathering Documents
What the VA Typically Needs.
- VA Form 26-1817, Request for Determination of Loan Guaranty Eligibility
- The service member's DD-214 or service documentation, if available
- A marriage certificate and the death certificate
- The service member's VA claim or file number, if you have it
- Any existing VA award or benefit correspondence you have received
- Nothing at all, if you would rather start by simply talking to someone
Common Questions
Straight Answers.No Runaround.
Eligibility for surviving spouses is determined solely by the U.S. Department of Veterans Affairs. This page is educational and is not a loan approval, a pre-qualification, a commitment to lend, a rate quote, or legal advice. Military Mortgage LLC is a mortgage broker and is not affiliated with the VA or any government agency. NMLS #Coming Soon — licensing in progress. Equal Housing Opportunity.
No Pressure
Start With aConversation.
Call (678) 488-0608 or reach out and we'll take it one step at a time.