{"id":5651,"date":"2023-04-03T17:39:34","date_gmt":"2023-04-03T17:39:34","guid":{"rendered":"https:\/\/griffinfunding.com\/?p=5651"},"modified":"2025-01-07T21:44:53","modified_gmt":"2025-01-07T21:44:53","slug":"can-my-spouse-use-my-va-loan-without-me","status":"publish","type":"post","link":"https:\/\/griffinfunding.com\/blog\/va-loans\/can-my-spouse-use-my-va-loan-without-me\/","title":{"rendered":"Can My Spouse Use My VA Loan Without Me?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">You may qualify for the VA home loan if you&#8217;re a veteran, active duty service member, or surviving spouse. The VA loan offers members unique benefits that allow them more flexibility in the approval process. For example, VA borrowers can expect lower (or no) down payment requirements, credit score flexibility, and more competitive interest rates. However, if you&#8217;re married, you might wonder, &#8220;Can my spouse use my VA loan without me?&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The Department of Veteran Affairs allows some spouses to use a VA loan, but there are a few caveats. The VA will determine your spouse\u2019s eligibility based on certain requirements, and they can only use your VA loan if they meet the criteria. Let\u2019s learn more about VA loan spouse requirements to help you determine if your spouse can use your<\/span> <a href=\"https:\/\/griffinfunding.com\/blog\/va-loans\/va-entitlement-explained-basic-bonus-loan-entitlements\/\"><span style=\"font-weight: 400;\">VA entitlement<\/span><\/a><span style=\"font-weight: 400;\"> to purchase a home. <\/span><\/p>\n<h2 id=\"link1\"><span style=\"font-weight: 400;\">VA Loan Spouse Requirements<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">As mentioned, the <\/span><a href=\"https:\/\/www.va.gov\/housing-assistance\/home-loans\/surviving-spouse\/\"><span style=\"font-weight: 400;\">VA sets requirements<\/span><\/a><span style=\"font-weight: 400;\"> for whether a spouse can use a VA loan. In general, military spouses can\u2019t use your VA loan without you. However, there are a few exceptions. According to the VA, a spouse can receive a <\/span><a href=\"https:\/\/griffinfunding.com\/blog\/va-loans\/certificate-of-eligibility\/\"><span style=\"font-weight: 400;\">Certificate of Eligibility<\/span><\/a> <span style=\"font-weight: 400;\">(COE) if:<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-9694 size-full aligncenter\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/04\/image2.png\" alt=\"\" width=\"512\" height=\"237\" srcset=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/04\/image2.png 512w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/04\/image2-300x139.png 300w\" sizes=\"auto, (max-width: 512px) 100vw, 512px\" \/><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">The veteran is missing in action (MIA) or a prisoner of war (POW)<br \/>\n<\/span><\/li>\n<li><span style=\"font-weight: 400;\">The veteran died while in service or due to a service-related disability<br \/>\n<\/span><\/li>\n<li><span style=\"font-weight: 400;\">The veteran was <\/span><a href=\"https:\/\/griffinfunding.com\/blog\/va-loans\/disability-and-va-home-loans\/\"><span style=\"font-weight: 400;\">fully disabled<\/span><\/a><span style=\"font-weight: 400;\"> and passed away, but their disability wasn\u2019t the cause of death<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Additionally, your spouse isn&#8217;t allowed to remarry for a certain period of time if they want to use your VA loan. For example, if the veteran died in service and their spouse didn&#8217;t remarry before the age of 57, they qualify to use the loan on their own. However, if they marry before that time, they&#8217;re no longer eligible for the home loan.\u00a0<\/span><\/p>\n<h2 id=\"link2\"><span style=\"font-weight: 400;\">Can My Spouse Use My VA Loan Without Me?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Based on the VA\u2019s current spouse requirements, your spouse cannot use your VA loan without you unless you\u2019ve passed away or become missing in action or a prisoner of war. There are several benefits and loans for military spouses. However, the <\/span><a href=\"https:\/\/griffinfunding.com\/traditional-mortgages\/va-loans\/\"><span style=\"font-weight: 400;\">VA home loan<\/span><\/a><span style=\"font-weight: 400;\"> is not one of them. So, ultimately, unless something happens to you, your spouse cannot use your VA loan without you. However, they can use your VA loan with you by becoming a co-borrower or co-signer as long as they meet the <\/span><a href=\"https:\/\/griffinfunding.com\/blog\/va-loans\/can-you-use-a-va-loan-after-military\/\"><span style=\"font-weight: 400;\">minimum qualification requirements<\/span><\/a><span style=\"font-weight: 400;\"> set by the lender. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">It&#8217;s important to note that a co-borrower and co-signer aren&#8217;t the same, so you must determine your spouse&#8217;s income and credit to determine whether they can help you obtain a higher low amount or hurt your chances of <\/span><a href=\"https:\/\/griffinfunding.com\/traditional-mortgages\/va-loans\/va-eligibility\/\"><span style=\"font-weight: 400;\">getting a VA loan<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A co-borrower is someone who joins you and is considered a co-homeowner. Their income, credit score, and debts are used to help them qualify for the loan, which means you&#8217;ll share the financial responsibilities with them. When you have a co-borrower, both names will appear on the house title.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A co-signer is someone who is not an owner. Instead, they agree to take responsibility if you default on your payments. However, they don&#8217;t have a legal claim to the home. Therefore, if they must continue paying toward your loan, they won&#8217;t own it. Your spouse can be a co-signer to help you qualify for a loan using their credit score and income. In most cases, you want your spouse to be an owner with you, so they&#8217;ll become a co-borrower and share the financial responsibilities with you.\u00a0<\/span><br \/>\n<div class=\"cta_banner gold_cta\" style=\"background:url(https:\/\/griffinfunding.com\/wp-content\/uploads\/2024\/02\/gold-background-1.png)\"><h3>Download the Griffin Gold app today!<\/h3><p>Take charge of your financial wellness and achieve your homeownership goals <br><br>\r\nUse invitation code: <b>GRIFGOLD<\/b> to register.<\/p><div class=\"stores\"><a href=\"https:\/\/apps.apple.com\/us\/app\/griffin-gold\/id6460034387\"><img decoding=\"async\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2024\/02\/apple-icon.svg\" \/><\/a><a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.griffinfunding.gold\"><img decoding=\"async\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2024\/02\/google-store.svg\" \/><\/a><\/div><\/div>\n<h2 id=\"link3\"><span style=\"font-weight: 400;\">Should I Add My Spouse as a Co-Borrower?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">There are several benefits to adding your spouse as a co-borrower. Their credit and income will affect the maximum loan amount and other details. For example, if you have <a href=\"https:\/\/griffinfunding.com\/blog\/va-loans\/how-to-get-a-va-home-loan-with-bad-credit\/\">low credit<\/a> and they have high credit, the lender will take into account both scores, allowing you to potentially get a better interest rate on your loan. Therefore, if you have a spouse with a high income and a good or better credit score, you could qualify for a larger loan amount and better interest rates.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, the opposite is also true. If your spouse has bad credit and low income, they could make you qualify for higher <\/span><a href=\"https:\/\/griffinfunding.com\/traditional-mortgages\/va-loans\/va-rates\/\"><span style=\"font-weight: 400;\">VA loan rates<\/span><\/a><span style=\"font-weight: 400;\"> and lower loan amounts. For example, let&#8217;s say you have a perfect credit score of 850, and your spouse has one of 550. Lenders will most likely take the lower credit score. In this case, your new credit score is 550, which is still considered poor. However, you could get better interest rates by applying by yourself with a credit score of 850.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That said, in most cases, a spouse&#8217;s income will likely help you qualify for a larger loan amount as long as they don&#8217;t have any significant debt. Unlike credit scores, lenders won&#8217;t take the average. Instead, they&#8217;ll add your incomes together, which can effectively reduce your debt-to-income (DTI) ratio to help you qualify for better terms.\u00a0<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-9693 size-full aligncenter\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/04\/image1.png\" alt=\"\" width=\"512\" height=\"237\" srcset=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/04\/image1.png 512w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/04\/image1-300x139.png 300w\" sizes=\"auto, (max-width: 512px) 100vw, 512px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Overall, you can expect the following benefits of adding your spouse as a co-borrower on a VA loan:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Boost income: <\/b><span style=\"font-weight: 400;\">If your spouse earns their own income, adding them as a co-borrower can increase the amount of income listed on your loan application. A higher income can help you qualify for a bigger loan amount and a lower rate.<\/span><\/li>\n<li aria-level=\"1\"><b>Lower DTI: <\/b><span style=\"font-weight: 400;\">Adding a second income on your loan application can reduce your overall DTI ratio as long as your spouse doesn\u2019t have significant debts of their own.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Avoid credit issues: <\/b><span style=\"font-weight: 400;\">As mentioned, if you have a low credit score, adding your spouse to your mortgage loan can make you more attractive to lenders.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Save on interest: <\/b><span style=\"font-weight: 400;\">Higher combined credit scores result in lower interest rates, helping you save more <\/span><span style=\"font-weight: 400;\">over the life of the loan. <\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Unfortunately, there are potential downsides to adding your spouse as a co-borrower. The same factors, including debts, income, and credit score, can negatively impact your ability to become eligible for a loan and may result in lower loan amounts.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Whether or not you should add your spouse as a co-borrower depends on your unique situation. <\/span><span style=\"font-weight: 400;\">If<\/span><span style=\"font-weight: 400;\"> you\u2019re unsure, you can contact Griffin Funding to discuss your options and <\/span><span style=\"font-weight: 400;\">weigh the pros and cons of taking out a VA loan with a spouse. <\/span><\/p>\n<h2 id=\"link4\"><span style=\"font-weight: 400;\">Check Your VA Loan Eligibility Today<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Every situation is different, so you won&#8217;t know if you or your spouse are eligible for the VA loan until you obtain a certificate of eligibility (COE). If you haven&#8217;t requested this document from the VA, Griffin Funding can do it on your behalf to determine your VA loan eligibility.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We understand that many veterans and service members have civilian spouses who take care of the home loan process while they\u2019re stationed overseas. If your spouse becomes a co-borrower and you qualify for a VA loan, we can work with either borrower to ensure you understand the <\/span><span style=\"font-weight: 400;\">VA loan\u2019s spouse<\/span><span style=\"font-weight: 400;\"> requirements and find the best option for you and your family.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ready to start the VA loan approval process? <\/span><span style=\"font-weight: 400;\">Reach out to Griffin Funding today to <a href=\"#popmake-6804\">get started<\/a>.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>You may qualify for the VA home loan if you&#8217;re a veteran, active duty service member, or surviving spouse. The VA loan offers members unique benefits that allow them more flexibility in the approval process. For example, VA borrowers can expect lower (or no) down payment requirements, credit score flexibility, and more competitive interest rates.<a class=\"moretag\" href=\"https:\/\/griffinfunding.com\/blog\/va-loans\/can-my-spouse-use-my-va-loan-without-me\/\">&#8230;<\/a><\/p>\n","protected":false},"author":2,"featured_media":5652,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[99],"tags":[],"class_list":["post-5651","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-va-loans"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.0 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Can My Spouse Use My VA Loan Without Me? | Griffin Funding<\/title>\n<meta name=\"description\" content=\"If you\u2019re a service member or veteran, you may be wondering if your spouse can use your VA loan without you. We answer this and more in this post.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/griffinfunding.com\/blog\/va-loans\/can-my-spouse-use-my-va-loan-without-me\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Can My Spouse Use My VA Loan Without Me?\" \/>\n<meta property=\"og:description\" content=\"If you\u2019re a service member or veteran, you may be wondering if your spouse can use your VA loan without you. We answer this and more in this post.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/griffinfunding.com\/blog\/va-loans\/can-my-spouse-use-my-va-loan-without-me\/\" \/>\n<meta property=\"og:site_name\" content=\"Griffin Funding\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/griffinfunding\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/griffinfunding\" \/>\n<meta property=\"article:published_time\" content=\"2023-04-03T17:39:34+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-01-07T21:44:53+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/03\/unnamed-12-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"512\" \/>\n\t<meta property=\"og:image:height\" content=\"341\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Bill Lyons\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/x.com\/griffinfunding\" \/>\n<meta name=\"twitter:site\" content=\"@griffinfunding\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Bill Lyons\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/va-loans\\\/can-my-spouse-use-my-va-loan-without-me\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/va-loans\\\/can-my-spouse-use-my-va-loan-without-me\\\/\"},\"author\":{\"name\":\"Bill Lyons\",\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/#\\\/schema\\\/person\\\/83571cd7f738a7f95cae1a44ad0b7ef1\"},\"headline\":\"Can My Spouse Use My VA Loan Without Me?\",\"datePublished\":\"2023-04-03T17:39:34+00:00\",\"dateModified\":\"2025-01-07T21:44:53+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/va-loans\\\/can-my-spouse-use-my-va-loan-without-me\\\/\"},\"wordCount\":1179,\"publisher\":{\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/va-loans\\\/can-my-spouse-use-my-va-loan-without-me\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/griffinfunding.com\\\/wp-content\\\/uploads\\\/2023\\\/03\\\/unnamed-12-1.jpg\",\"articleSection\":[\"VA Loans\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/va-loans\\\/can-my-spouse-use-my-va-loan-without-me\\\/\",\"url\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/va-loans\\\/can-my-spouse-use-my-va-loan-without-me\\\/\",\"name\":\"Can My Spouse Use My VA Loan Without Me? | Griffin Funding\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/va-loans\\\/can-my-spouse-use-my-va-loan-without-me\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/va-loans\\\/can-my-spouse-use-my-va-loan-without-me\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/griffinfunding.com\\\/wp-content\\\/uploads\\\/2023\\\/03\\\/unnamed-12-1.jpg\",\"datePublished\":\"2023-04-03T17:39:34+00:00\",\"dateModified\":\"2025-01-07T21:44:53+00:00\",\"description\":\"If you\u2019re a service member or veteran, you may be wondering if your spouse can use your VA loan without you. We answer this and more in this post.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/va-loans\\\/can-my-spouse-use-my-va-loan-without-me\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/va-loans\\\/can-my-spouse-use-my-va-loan-without-me\\\/\"]}],\"about\":{\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/#organization\"}},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/va-loans\\\/can-my-spouse-use-my-va-loan-without-me\\\/#primaryimage\",\"url\":\"https:\\\/\\\/griffinfunding.com\\\/wp-content\\\/uploads\\\/2023\\\/03\\\/unnamed-12-1.jpg\",\"contentUrl\":\"https:\\\/\\\/griffinfunding.com\\\/wp-content\\\/uploads\\\/2023\\\/03\\\/unnamed-12-1.jpg\",\"width\":512,\"height\":341},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/va-loans\\\/can-my-spouse-use-my-va-loan-without-me\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/griffinfunding.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"VA Loans\",\"item\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/category\\\/va-loans\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Can My Spouse Use My VA Loan Without Me?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/#website\",\"url\":\"https:\\\/\\\/griffinfunding.com\\\/\",\"name\":\"Griffin Funding\",\"description\":\"Mortgages &amp; Home Loan Lenders\",\"publisher\":{\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/griffinfunding.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/#organization\",\"name\":\"Griffin Funding\",\"url\":\"https:\\\/\\\/griffinfunding.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/griffinfunding.com\\\/wp-content\\\/uploads\\\/2020\\\/09\\\/griffinteamlogo-42.jpg\",\"contentUrl\":\"https:\\\/\\\/griffinfunding.com\\\/wp-content\\\/uploads\\\/2020\\\/09\\\/griffinteamlogo-42.jpg\",\"width\":500,\"height\":500,\"caption\":\"Griffin Funding\"},\"image\":{\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/griffinfunding\",\"https:\\\/\\\/x.com\\\/griffinfunding\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/griffin-funding\",\"https:\\\/\\\/www.youtube.com\\\/@griffinfunding\",\"https:\\\/\\\/www.instagram.com\\\/griffin_funding\",\"https:\\\/\\\/www.bbb.org\\\/us\\\/ca\\\/san-diego\\\/profile\\\/mortgage-lenders\\\/griffin-funding-1126-172009171\",\"https:\\\/\\\/www.zillow.com\\\/lender-profile\\\/griffinfunding\\\/\",\"https:\\\/\\\/www.experience.com\\\/reviews\\\/company\\\/griffin-funding-1426\"],\"description\":\"Griffin Funding, founded in 2013, is a nationwide direct-to-consumer mortgage lender that specializes in bank statement loans for the self-employed, DSCR loans for real estate investors, VA loans for veterans and active-duty military, and home equity loans for homeowners. Griffin Funding is dedicated to delivering 5-star service, a fully-digital easy-to-use experience, and financial expertise.\",\"email\":\"info@griffinfunding.com\",\"telephone\":\"8005275910\",\"legalName\":\"Griffin Funding, Inc.\",\"foundingDate\":\"2013-09-17\",\"duns\":\"07-979-5037\",\"leiCode\":\"5493002WVA17MT4UFH84\",\"naics\":\"522292\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"51\",\"maxValue\":\"200\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/#\\\/schema\\\/person\\\/83571cd7f738a7f95cae1a44ad0b7ef1\",\"name\":\"Bill Lyons\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/c0b679e4960454cca8759c2cccd0b4dcf2acd3f5bb2ef255efd806cf23263763?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/c0b679e4960454cca8759c2cccd0b4dcf2acd3f5bb2ef255efd806cf23263763?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/c0b679e4960454cca8759c2cccd0b4dcf2acd3f5bb2ef255efd806cf23263763?s=96&d=mm&r=g\",\"caption\":\"Bill Lyons\"},\"description\":\"Bill Lyons is the Founder, CEO &amp; President of Griffin Funding. Founded in 2013, Griffin Funding is a national boutique mortgage lender focusing on delivering 5-star service to its clients. Mr. Lyons has 25 years of experience in the mortgage business. Lyons is seen as an industry leader and expert in real estate finance. Lyons has been featured in Forbes, Inc., Wall Street Journal, HousingWire, and more. As a member of the Mortgage Bankers Association, Lyons is able to keep up with important changes in the industry to deliver the most value to Griffin's clients. Under Lyons' leadership, Griffin Funding has made the Inc. 5000 fastest-growing companies list five times in its 12 years in business. Follow his updates on LinkedIn.\",\"sameAs\":[\"https:\\\/\\\/griffinfunding.com\\\/our-team\\\/bill-lyons\\\/\",\"https:\\\/\\\/www.facebook.com\\\/griffinfunding\",\"https:\\\/\\\/www.linkedin.com\\\/in\\\/lyons\\\/\",\"https:\\\/\\\/x.com\\\/https:\\\/\\\/x.com\\\/griffinfunding\",\"https:\\\/\\\/www.youtube.com\\\/@Griffinfunding\"],\"url\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/author\\\/griffinfunding\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Can My Spouse Use My VA Loan Without Me? | Griffin Funding","description":"If you\u2019re a service member or veteran, you may be wondering if your spouse can use your VA loan without you. We answer this and more in this post.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/griffinfunding.com\/blog\/va-loans\/can-my-spouse-use-my-va-loan-without-me\/","og_locale":"en_US","og_type":"article","og_title":"Can My Spouse Use My VA Loan Without Me?","og_description":"If you\u2019re a service member or veteran, you may be wondering if your spouse can use your VA loan without you. We answer this and more in this post.","og_url":"https:\/\/griffinfunding.com\/blog\/va-loans\/can-my-spouse-use-my-va-loan-without-me\/","og_site_name":"Griffin Funding","article_publisher":"https:\/\/www.facebook.com\/griffinfunding","article_author":"https:\/\/www.facebook.com\/griffinfunding","article_published_time":"2023-04-03T17:39:34+00:00","article_modified_time":"2025-01-07T21:44:53+00:00","og_image":[{"width":512,"height":341,"url":"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/03\/unnamed-12-1.jpg","type":"image\/jpeg"}],"author":"Bill Lyons","twitter_card":"summary_large_image","twitter_creator":"@https:\/\/x.com\/griffinfunding","twitter_site":"@griffinfunding","twitter_misc":{"Written by":"Bill Lyons","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/griffinfunding.com\/blog\/va-loans\/can-my-spouse-use-my-va-loan-without-me\/#article","isPartOf":{"@id":"https:\/\/griffinfunding.com\/blog\/va-loans\/can-my-spouse-use-my-va-loan-without-me\/"},"author":{"name":"Bill Lyons","@id":"https:\/\/griffinfunding.com\/#\/schema\/person\/83571cd7f738a7f95cae1a44ad0b7ef1"},"headline":"Can My Spouse Use My VA Loan Without Me?","datePublished":"2023-04-03T17:39:34+00:00","dateModified":"2025-01-07T21:44:53+00:00","mainEntityOfPage":{"@id":"https:\/\/griffinfunding.com\/blog\/va-loans\/can-my-spouse-use-my-va-loan-without-me\/"},"wordCount":1179,"publisher":{"@id":"https:\/\/griffinfunding.com\/#organization"},"image":{"@id":"https:\/\/griffinfunding.com\/blog\/va-loans\/can-my-spouse-use-my-va-loan-without-me\/#primaryimage"},"thumbnailUrl":"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/03\/unnamed-12-1.jpg","articleSection":["VA Loans"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/griffinfunding.com\/blog\/va-loans\/can-my-spouse-use-my-va-loan-without-me\/","url":"https:\/\/griffinfunding.com\/blog\/va-loans\/can-my-spouse-use-my-va-loan-without-me\/","name":"Can My Spouse Use My VA Loan Without Me? | Griffin Funding","isPartOf":{"@id":"https:\/\/griffinfunding.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/griffinfunding.com\/blog\/va-loans\/can-my-spouse-use-my-va-loan-without-me\/#primaryimage"},"image":{"@id":"https:\/\/griffinfunding.com\/blog\/va-loans\/can-my-spouse-use-my-va-loan-without-me\/#primaryimage"},"thumbnailUrl":"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/03\/unnamed-12-1.jpg","datePublished":"2023-04-03T17:39:34+00:00","dateModified":"2025-01-07T21:44:53+00:00","description":"If you\u2019re a service member or veteran, you may be wondering if your spouse can use your VA loan without you. We answer this and more in this post.","breadcrumb":{"@id":"https:\/\/griffinfunding.com\/blog\/va-loans\/can-my-spouse-use-my-va-loan-without-me\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/griffinfunding.com\/blog\/va-loans\/can-my-spouse-use-my-va-loan-without-me\/"]}],"about":{"@id":"https:\/\/griffinfunding.com\/#organization"}},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/griffinfunding.com\/blog\/va-loans\/can-my-spouse-use-my-va-loan-without-me\/#primaryimage","url":"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/03\/unnamed-12-1.jpg","contentUrl":"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/03\/unnamed-12-1.jpg","width":512,"height":341},{"@type":"BreadcrumbList","@id":"https:\/\/griffinfunding.com\/blog\/va-loans\/can-my-spouse-use-my-va-loan-without-me\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/griffinfunding.com\/"},{"@type":"ListItem","position":2,"name":"VA Loans","item":"https:\/\/griffinfunding.com\/blog\/category\/va-loans\/"},{"@type":"ListItem","position":3,"name":"Can My Spouse Use My VA Loan Without Me?"}]},{"@type":"WebSite","@id":"https:\/\/griffinfunding.com\/#website","url":"https:\/\/griffinfunding.com\/","name":"Griffin Funding","description":"Mortgages &amp; Home Loan Lenders","publisher":{"@id":"https:\/\/griffinfunding.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/griffinfunding.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/griffinfunding.com\/#organization","name":"Griffin Funding","url":"https:\/\/griffinfunding.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/griffinfunding.com\/#\/schema\/logo\/image\/","url":"https:\/\/griffinfunding.com\/wp-content\/uploads\/2020\/09\/griffinteamlogo-42.jpg","contentUrl":"https:\/\/griffinfunding.com\/wp-content\/uploads\/2020\/09\/griffinteamlogo-42.jpg","width":500,"height":500,"caption":"Griffin Funding"},"image":{"@id":"https:\/\/griffinfunding.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/griffinfunding","https:\/\/x.com\/griffinfunding","https:\/\/www.linkedin.com\/company\/griffin-funding","https:\/\/www.youtube.com\/@griffinfunding","https:\/\/www.instagram.com\/griffin_funding","https:\/\/www.bbb.org\/us\/ca\/san-diego\/profile\/mortgage-lenders\/griffin-funding-1126-172009171","https:\/\/www.zillow.com\/lender-profile\/griffinfunding\/","https:\/\/www.experience.com\/reviews\/company\/griffin-funding-1426"],"description":"Griffin Funding, founded in 2013, is a nationwide direct-to-consumer mortgage lender that specializes in bank statement loans for the self-employed, DSCR loans for real estate investors, VA loans for veterans and active-duty military, and home equity loans for homeowners. Griffin Funding is dedicated to delivering 5-star service, a fully-digital easy-to-use experience, and financial expertise.","email":"info@griffinfunding.com","telephone":"8005275910","legalName":"Griffin Funding, Inc.","foundingDate":"2013-09-17","duns":"07-979-5037","leiCode":"5493002WVA17MT4UFH84","naics":"522292","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"51","maxValue":"200"}},{"@type":"Person","@id":"https:\/\/griffinfunding.com\/#\/schema\/person\/83571cd7f738a7f95cae1a44ad0b7ef1","name":"Bill Lyons","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/c0b679e4960454cca8759c2cccd0b4dcf2acd3f5bb2ef255efd806cf23263763?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c0b679e4960454cca8759c2cccd0b4dcf2acd3f5bb2ef255efd806cf23263763?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/c0b679e4960454cca8759c2cccd0b4dcf2acd3f5bb2ef255efd806cf23263763?s=96&d=mm&r=g","caption":"Bill Lyons"},"description":"Bill Lyons is the Founder, CEO &amp; President of Griffin Funding. Founded in 2013, Griffin Funding is a national boutique mortgage lender focusing on delivering 5-star service to its clients. Mr. Lyons has 25 years of experience in the mortgage business. Lyons is seen as an industry leader and expert in real estate finance. Lyons has been featured in Forbes, Inc., Wall Street Journal, HousingWire, and more. As a member of the Mortgage Bankers Association, Lyons is able to keep up with important changes in the industry to deliver the most value to Griffin's clients. Under Lyons' leadership, Griffin Funding has made the Inc. 5000 fastest-growing companies list five times in its 12 years in business. Follow his updates on LinkedIn.","sameAs":["https:\/\/griffinfunding.com\/our-team\/bill-lyons\/","https:\/\/www.facebook.com\/griffinfunding","https:\/\/www.linkedin.com\/in\/lyons\/","https:\/\/x.com\/https:\/\/x.com\/griffinfunding","https:\/\/www.youtube.com\/@Griffinfunding"],"url":"https:\/\/griffinfunding.com\/blog\/author\/griffinfunding\/"}]}},"_links":{"self":[{"href":"https:\/\/griffinfunding.com\/wp-json\/wp\/v2\/posts\/5651","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/griffinfunding.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/griffinfunding.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/griffinfunding.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/griffinfunding.com\/wp-json\/wp\/v2\/comments?post=5651"}],"version-history":[{"count":0,"href":"https:\/\/griffinfunding.com\/wp-json\/wp\/v2\/posts\/5651\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/griffinfunding.com\/wp-json\/wp\/v2\/media\/5652"}],"wp:attachment":[{"href":"https:\/\/griffinfunding.com\/wp-json\/wp\/v2\/media?parent=5651"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/griffinfunding.com\/wp-json\/wp\/v2\/categories?post=5651"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/griffinfunding.com\/wp-json\/wp\/v2\/tags?post=5651"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}