VA Joint Loan Options

VA Joint Loan Options

Many of our fighting men and women in the armed services have seen the terms “mil-to-mil couple” and “mil-to-mil spouses” so often that it is common knowledge. These phrases refer to married people who are both currently serving in the military. When these couples are ready to buy a home using their VA mortgage eligibility they have several options available to them.

Using Only One Certificate

Many couples choose to use only one certificate to buy their first home and reserve the other VA certificate for a larger home purchase later on. If the spouse does not co-sign on the loan then they most likely will not be held responsible for the loan. This is not true in states that observe community property laws like Wisconsin.

Using Part of one Certificate Along with Another Certificate

If the husband or wife previously used their certificate to buy a home using the VA loan they can use any remaining eligibility, along with their spouse’s current certificate, to purchase a new home.

Sharing the Certificates

It is also possible for two veterans to use their certificates equally in order to purchase a home. This makes both people equally responsible for the loan and equal owners.

Occupancy Rules

The VA loan rules are pretty straightforward when it comes to occupancy rules. If a veteran uses their VA certificate to buy a home then they have to live at that home as their primary residence. A spouse that does not sign on the loan does not have to meet the same requirements.

Contact us below or apply online to see if you qualify for the VA Mortgage program!
Important Disclosure

VA loans are only available to eligible veterans and/or their spouses. is not acting on behalf of or at the discretion of the Department of Veteran Affairs or the Federal Government.

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Filed under: Minnesota Blog, VA Loans

Luke Skar

Luke Skar is the web developer and content strategist for, serving 47 states including Wisconsin, Illinois, Minnesota, and Florida. Guided by his 19-plus years of various mortgage marketing experience, Luke provides top-quality SEO services, effective social media management, and web development and maintenance. Luke’s career in the mortgage industry began back in 2001, as a loan processor. After becoming a loan officer for a number of years, Luke is now the sole owner/operator of To ensure that all the information he posts is fresh, accurate, and up-to-date, Luke relies on the knowledge which his years of dedication to keeping up with the constant change that the mortgage industry provides.


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