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The same VA mortgage that many service members enjoy can also be obtained by certain surviving spouses!


A  new law known as The Honoring America’s Veterans and Caring for Camp Lejeune Families Act (H.R. 1627  was  recently introduced now extends VA loan eligibility to more surviving spouses.  In summary, a veteran’s death does not have to be duty-related for the surviving spouse widow to become eligible for VA home loan benefits.  


The new VA eligibility guidelines, is welcome news for surviving military spouses who are now can become eligible if the veteran was rated totally disabled and eligible for compensation prior to death by any cause.  The law further designates that the veteran must have been eligible for compensation at the time of passing and be rated one of the following: 


  1. Continuously totally disabled for at least 10 years immediately prior to death

  2. Continuously totally disabled for at least 5 years from the date of discharge

  3. Continuously totally disabled for at least 1 year prior to death of a POW who died after September 30, 1999


This change is significant because prior to the signing of the Act, only those whose spouses died of military-related causes were considered for home loan benefits.  The loan eligibility for surviving military spouses has been updated to include widows who have not remarried and: 


  • Survived a spouse who died in service or from a service-related disability

  • Survived a spouse who was missing in action (MIA) or a prisoner of war (POW) for at least 90 days (limited to one-time use of benefit)

  • Survived a spouse who was rated continuously totally disabled for the specified period of time, and was eligible for disability compensation at the time of death by any cause


Additional Surviving Spouses Advantages


  • No VA funding fee

  • As little as zero down on purchase loans up to $417,000

  • Up to 100% refinancing of appraised value

  • No monthly mortgage insurance premiums

  • Low interest rates that are nationally competitive

  • No penalties for early payoff or balance reduction

  • VA Streamline refinancing even if ineligible for full VA loan benefits


Even if you may not have been eligible in the past, you may qualify now based on recent improvements to veterans’ benefits eligibility requirements. 



Call us today at 800-655-1345 - We will help you obtain your Benefits !


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