Can a VA loan be co-signed with someone who is not a veteran or VA-loan eligible?

I am a VA loan specialist in Las Vegas. The way that your question is posed will require a little more information before I can answer it correctly for you. Please give me a call at 702-683-3126 so we can better talk about your situation, and that way I can put my best foot forward. Nathan Kessler Guaranteed Rate mortgage

No. The additional borrower must be the veteran's spouse.

Technically yes, but realistically NO. VA loans basically require any co-applicant to be a married spouse in order to also be on the loan. There are little known rules that can potentially allow a non-married person to be a co-applicant, but the rules are so complicated and cumbersome, that I know of NO LENDERS who actually allow for it. Because no one offers it, 99.9% of mortgage people don't even know it exists, and will give you a straight answer of NO. With all that said, and from my standpoint, I would advise you that it is a gigantic waste of time trying to find a VA lender that would actually allow for the non-married co-applicant situation. For VA Loans in MN, WI, and SD, visit me at VAMortgageMN.com

Joe is spot on.. It's allowable in the VA guidelines, but lending rules/laws are to grey for any lender to allow it, so 99.99% do not.. Unless that person is your spouse, you will be better off looking at other loan options.. I'm a preferred Lender with Arizona and California being my primary markets. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com NMLS# 226347 / RPM Mortgage NMLS 1541014 / AZMB0121893

Hi Mommyuv3106,I agree with Joe to a degree. VA does allow it but the real downside to it is the non-veteran would also have to put 12.5% down if they're not a spouse. The other side to this is the co-signer also has to live in the home.One of the good things about same sex marriage passing in so many states is this, if you say you're married, VA is not going to question it so that makes it possible to have a co-borrower on the loan even if you're not married.| Please feel free to contact me for more information or help. | John Burke | Senior Mortgage Banker | Great Plains National Bank http://www.valoansdoneright.com | (877)228-9069 | Lending in ALL 50 states