Can I assume a VA mortgage even if I don't qualify for VA home loans?

Yes.. VA loans are assumable by non military veterans, however the seller who has the VA benefits will not have his full benefit restored until the existing VA loan is paid for in full.. A lot of people automatically assume that Assumable mortgages are easy to get and are non qualifying.. Those loans are a thing of the past... All VA assumptions' are fully qualifying assumption's.. meaning, you still have to provide tax returns, pay stubs, bank statements, as well as have good credit, and you must have enough income to service all your debt, including the new housing payment..I'm a Broker here in Scottsdale AZ and I only lend in Arizona. 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

No, sorry you must be a veteran with a certificate of eligibility. You should call a mortgage professional in your area to see what type of loan you would qualify for. Good Luck.

KBrown, As long as the loan is a VA loan and the seller and their lender approve your assumption, YES you can. For the seller, their VA entitlement is not restored with the assumption. You also have to meet the requirements of the lender with respect to your credit and debt ratio's.