{"id":6085,"date":"2023-06-15T18:56:20","date_gmt":"2023-06-15T18:56:20","guid":{"rendered":"https:\/\/griffinfunding.com\/?p=6085"},"modified":"2025-05-08T20:24:31","modified_gmt":"2025-05-08T20:24:31","slug":"joint-va-loan","status":"publish","type":"post","link":"https:\/\/griffinfunding.com\/blog\/va-loans\/joint-va-loan\/","title":{"rendered":"Joint VA Loan: What It Is, Requirements, &#038; How to Apply"},"content":{"rendered":"<p>For those who have served in the U.S. military, VA loans are a mortgage benefit that can help you get a home. Backed by the Department of Veterans Affairs, these\u00a0<a href=\"https:\/\/griffinfunding.com\/blog\/mortgage\/buying-a-house-with-no-money-down\/\">no-down-payment required loans<\/a>\u00a0offer generous terms that make them very attractive for\u00a0<a href=\"https:\/\/griffinfunding.com\/blog\/va-loans\/va-loans-for-first-time-home-buyers\/\">first-time home buyers<\/a>\u00a0and individuals searching for new home financing.<\/p>\n<p>To be eligible for a joint\u00a0<a href=\"https:\/\/griffinfunding.com\/traditional-mortgages\/va-loans\/va-purchase-loan\/\">VA purchase loan<\/a>, at least one applicant needs to meet minimum service requirements.\u00a0As long as at least one borrower satisfies all necessary qualifications, both parties can get approved when applying for the VA joint loan program.<\/p>\n<div id=\"key_takeaways\"><h3>KEY TAKEAWAYS<\/h3><ul>\n<li>The VA purchase loan program is designed to make it easier for veterans and their families to get a home loan.<\/li>\n<li>A VA loan does not necessarily require someone to put any money down for the home on a joint VA loan.<\/li>\n<li>A joint VA loan allows two or more individuals to serve as co-borrowers on a VA loan as long as at least one of the borrowers meets the qualification requirements for the VA loan program.<\/li>\n<\/ul>\n<\/div>\n<h2>What Is a Joint VA Loan?<\/h2>\n<p>Joint VA loans are great options if you&#8217;re looking for some extra help when buying a home, as they provide veterans, service members, and their spouses with the opportunity to buy property while relying on multiple borrowers.<\/p>\n<p>A VA joint loan allows two or more people to secure a VA mortgage, even if only one of them meets the VA joint loan requirements. This means that all those listed on the document will be equally held accountable when it comes time to pay off the mortgage.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-6088\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/06\/image5-5.jpg\" alt=\"Two men standing outside of a home with a sold sign.\" width=\"1000\" height=\"675\" srcset=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/06\/image5-5.jpg 1000w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/06\/image5-5-300x203.jpg 300w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/06\/image5-5-768x518.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/p>\n<h2>Who Can Be Included on a Joint VA Loan?<\/h2>\n<p>With homeownership dreams on the line, having multiple people contributing to the loan can go a long way. A joint VA home loan allows for just that.<\/p>\n<p>In general, there are three separate categories of applicants for a VA joint loan:<\/p>\n<ol>\n<li>One person qualifies as an eligible military applicant but applies alongside other non-qualifying applicants.<\/li>\n<li>Two or more individuals have acceptable eligibility status, according to the Department of Veterans Affairs.<\/li>\n<li>Everyone meets the qualifications for approval, but they don&#8217;t want to use their full entitlement amount when applying.<\/li>\n<\/ol>\n<p>If you&#8217;re married, couples count as single entities when it comes time to prove your eligibility, so you don&#8217;t actually need each member&#8217;s individual information. Even lawful permanent residents without citizenship status can sign onto such agreements as long as they meet certain criteria put forward by the government.<\/p>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:641,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:1,&quot;12&quot;:0}\"><div class=\"cta_banner\" style=\"background:url(https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/04\/Catbanner2.jpg)\"><h3>With a simple 10-step mortgage process, Griffin Funding strives to make applying and securing a home loan easy, transparent, and quick.<\/h3><a href=\"https:\/\/griffinfunding.com\/full-page-form-quick-quote\/\/\">Get Started<\/a><\/div><\/span><\/p>\n<p>With a joint VA loan, everyone who signs will be responsible for paying the loan on time, so be sure to understand your obligations before signing a loan with someone else. This is where working with a professional can be helpful.<\/p>\n<h2>How Does VA Entitlement Work With a Joint VA Loan?<\/h2>\n<p>For those who want to take full advantage of their veteran status and get a loan, understanding joint VA loans is essential. This type of loan allows multiple borrowers to use their individual <a href=\"https:\/\/griffinfunding.com\/blog\/va-loans\/benefits-of-va-loans\/\">VA loan benefits<\/a> through the VA entitlement program.<\/p>\n<p>So how does this work? As long as one borrower has an eligible entitlement and meets all other criteria, two or more people can apply together for a joint VA loan without every person needing to use their own entitlement; however, only half will be covered by the single entitlement holder\u2019s benefit.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-6087\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/06\/image4-7.png\" alt=\"Graphic featuring a shield icon and text that reads, \u201cThe VA will only back 1\/2 the loan if just one borrower has VA entitlement.\u201d\" width=\"1999\" height=\"806\" srcset=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/06\/image4-7.png 1999w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/06\/image4-7-300x121.png 300w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/06\/image4-7-1024x413.png 1024w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/06\/image4-7-768x310.png 768w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/06\/image4-7-1536x619.png 1536w\" sizes=\"auto, (max-width: 1999px) 100vw, 1999px\" \/><\/p>\n<p>Even if no down payment is made, there&#8217;s still no limit on how much you can borrow, provided neither party has ever taken out or paid off any prior VA loans before applying together.<\/p>\n<h2><strong>Joint VA Loan Requirements<\/strong><\/h2>\n<p>It\u2019s important for potential applicants, including veterans, to know what qualifications and\u00a0<a href=\"https:\/\/griffinfunding.com\/blog\/va-loans\/va-loan-closing-costs\/\">VA loan closing costs<\/a>\u00a0must be met. These requirements may change over time. The main joint VA loan requirements are as follows:<\/p>\n<ul>\n<li><strong>Minimum service requirement<\/strong>: At least one borrower must meet the VA\u2019s minimum service requirements to qualify for a joint VA loan.<\/li>\n<li><strong>Down payment<\/strong>: VA loan borrowers with full entitlement typically don\u2019t have to make a down payment. However, if the veteran only has partial entitlement and\/or has a civilian VA loan co-borrower, a down payment may be required.<\/li>\n<li><strong>Credit score<\/strong>: Qualify for a joint VA loan with a credit score as low as 550.<\/li>\n<li><strong>Proof of income and employment<\/strong>: You must provide proof of income and steady employment when applying.<\/li>\n<li><strong>VA funding fee<\/strong>: The VA funding fee is a one-time fee all non-exempt borrowers must pay for any VA purchase loan or refinance.<\/li>\n<\/ul>\n<p>Consulting a loan specialist can help you decide if this is the right option for you.<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>Pros and Cons of a Joint VA Loan<\/h2>\n<p>Taking out a VA joint loan could seem exciting, but it\u2019s important to know the pros and cons of this option before you commit. Consider these benefits and drawbacks when deciding if this option is right for you:<\/p>\n<h3>Pros<\/h3>\n<ul>\n<li><strong>Bigger budget<\/strong>: Having two incomes can open up opportunities to purchase more expensive homes than one person alone would be capable of affording.<\/li>\n<li><strong>Combine finances<\/strong>: You may have an easier time qualifying for a home loan if you apply together.<\/li>\n<li><strong>No or low down payment<\/strong>: No down payment is required as long as all borrowers meet the program\u2019s criteria.<\/li>\n<\/ul>\n<h3>Drawbacks<\/h3>\n<ul>\n<li><strong>Possible down payment for non-veterans<\/strong>: If any borrower does not qualify for benefits under the program, then they may have to put down some form of deposit in order to proceed with taking out the loan.<\/li>\n<li><strong>VA funding fee<\/strong>: A mandatory funding fee is often still required unless one or more of the parties qualifies for an exemption. This charge is typically 1% of your total loan amount.<\/li>\n<\/ul>\n<p>Weighing all factors carefully is essential before deciding whether or not this route best suits your needs.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-6086\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/06\/image2-8.png\" alt=\"Graphic featuring a stack of money with text that reads, \u201cLender fees are limited to 1% of your loan amount.\u201d\" width=\"1999\" height=\"698\" srcset=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/06\/image2-8.png 1999w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/06\/image2-8-300x105.png 300w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/06\/image2-8-1024x358.png 1024w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/06\/image2-8-768x268.png 768w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/06\/image2-8-1536x536.png 1536w\" sizes=\"auto, (max-width: 1999px) 100vw, 1999px\" \/><\/p>\n<h2>Is a Joint VA Loan Right for You?<\/h2>\n<p>Are you and a fellow borrower searching for the ideal home loan? If one of you is a veteran, then joint VA loans are an amazing option that could be just what you need.<\/p>\n<p>Joint VA mortgages offer some unique benefits, like lower interest rates or even no down payment required. But, it&#8217;s important to know exactly what each option entails, as there may be restrictions specific to this type of loan. Doing your research ahead of time and being candid with your fellow borrowers can make all the difference.<\/p>\n<p>As you weigh your options, consider downloading the\u00a0<a href=\"https:\/\/gold.griffinfunding.com\/pfm\/registration\/invite?key=1c204fd9-839b-4775-aed1-9844766b60a6\">Griffin Gold<\/a>\u00a0app. Using the app, you can compare loan options, privately search for homes, manage your finances, and access smart calculators, such as our\u00a0<a href=\"https:\/\/griffinfunding.com\/blog\/va-loans\/va-loan-calculator\/\">VA loan calculator<\/a>\u00a0and\u00a0<a href=\"https:\/\/griffinfunding.com\/blog\/va-loans\/va-loan-affordability-calculator\/\">VA loan affordability calculator<\/a>.<\/p>\n<h2><strong>Apply for a Joint VA Loan<\/strong><strong>\u00a0Today<\/strong><\/h2>\n<p>Griffin Funding can help figure out if a joint VA loan works best for everyone involved. We understand how daunting these decisions can be, which is why we\u2019ll take a deep dive into all available options so nothing gets missed along the way.<\/p>\n<p>Our team of experts is always ready and willing to make the process as straightforward and stress-free as possible for you and your VA loan co-borrower. We offer total transparency at every stage while also ensuring you get the best rate available.<\/p>\n<p><a href=\"#popmake-6804\">Get started online today<\/a> or speak with one of our loan specialists at 855-698-1230.<\/p>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:641,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:1,&quot;12&quot;:0}\"><div class=\"cta_banner\" style=\"background:url(https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/04\/Catbanner2.jpg)\"><h3>Ready to assume a VA loan?<\/h3><a href=\"https:\/\/griffinfunding.com\/full-page-form-quick-quote\/\/\">Contact Us<\/a><\/div><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>For those who have served in the U.S. military, VA loans are a mortgage benefit that can help you get a home. Backed by the Department of Veterans Affairs, these\u00a0no-down-payment required loans\u00a0offer generous terms that make them very attractive for\u00a0first-time home buyers\u00a0and individuals searching for new home financing. To be eligible for a joint\u00a0VA purchase<a class=\"moretag\" href=\"https:\/\/griffinfunding.com\/blog\/va-loans\/joint-va-loan\/\">&#8230;<\/a><\/p>\n","protected":false},"author":2,"featured_media":6084,"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-6085","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>Joint VA Loan: What It Is, Requirements, &amp; How to Apply | Griffin Funding<\/title>\n<meta name=\"description\" content=\"Joint VA loans make it possible for qualifying borrowers to get a VA loan with one or more veteran or non-veteran co-borrowers.\" \/>\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\/joint-va-loan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Joint VA Loan: What It Is, Requirements, &amp; 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