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can i get a VA mortgage with my boyfriend?

we do plan to marry but he is going to be overseas for 5 more months. sooner the better because i am pregnant. if necessary can i qualify on my own? we have had a joint checking/savings for over 3 years. my income is 58k per year credit was 701 last i checked. what can we do by acoutrementr7536972 from Port Orford, Oregon. Nov 11th 2014 Reply

John Burke (jburke)
#31 ranked lender in Texas - 194 contributions

Hi Acoutrementr,Since you are not married yet you cannot be on the VA loan with your boyfriend BUT he can still buy a home here in the states using his VA entitlement and you can live in it. | Please feel free to contact me for more information or help. | John Burke | Senior Mortgage Banker | Great Plains National Bank | (877)228-9069 | Lending in ALL 50 states

Nov 18th 2014
Chris Barry (TheLoanDoctor)
#45 ranked lender in Oregon - 41 contributions

I specialize in VA loans.Give me a call and I can see what you guys will qualify for.

Nov 11th 2014
William J Acres (William_Acres)
#1 ranked lender in Arizona - 8,325 contributions

VA loans are only available to the Veteran and the Veterans' spouse.. if your not a Veteran and your not married, then you cannot be on the loan, and your income will not be considered in determining eligibility.. You can use conventional financing and purchase on your own without him, but the same would apply to the income.. if he's not on the loan, then his income is not considered.. The best advice I can give you is to contact a LOCAL mortgage broker and apply with them. Once they see the complete profile of you and your fiance, they will be able to advise you properly.. By applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with numerous lenders, seeking out the best loan terms for your particular scenario. Because he has lower overhead, he can offer you lower rates and lower fees than most of the larger lenders.. 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. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714

Nov 12th 2014
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