Must couples file jointly for a VA Loan?

CPT Joseph K Murdock — Tue, 16 Aug 2016 10:57:10 -0400

Sometimes one spouse has a much better credit rating than the other.

Response by CSM David Heidke made Aug 16 at 2016 11:05 AM

CSM David Heidke — Tue, 16 Aug 2016 11:05:24 -0400

nope, you don't have to file jointly for any loan.

Response by SGM Erik Marquez made Aug 16 at 2016 11:11 AM

SGM Erik Marquez — Tue, 16 Aug 2016 11:11:07 -0400

No, no requirement. Our first house , 1st VA loan was all on me, second house all on my wifes VA cert and loan, 3rd house was my second VA cert and a joint loan.

Response by CAPT Kevin B. made Aug 16 at 2016 11:40 AM

CAPT Kevin B. — Tue, 16 Aug 2016 11:40:01 -0400

A good loan officer will take a look at both credit scores and advise the path most beneficial to you. Many times the spouse boosts the score, hence a good idea to go joint.

Response by SGT David T. made Aug 16 at 2016 12:18 PM

SGT David T. — Tue, 16 Aug 2016 12:18:54 -0400

It is your choice if you want your spouse on the loan or not. When I did mine, we left mine off because she wasn't working at the time and we didn't want her debt calculated into it.

Response by Cpl Justin Goolsby made Aug 16 at 2016 12:45 PM

Cpl Justin Goolsby — Tue, 16 Aug 2016 12:45:32 -0400

I believe it depends on what state you are in. Despite being the breadwinner in the household, I still had to file jointly with my wife so both our names appeared on the deed to the house.