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Who Is Eligible for a VA Loan?

In this Jan. 8, 2015, file photo, a sign with a sold sticker is posted in front of a row of new town homes in Richmond, Va. Who is eligible to use VA home loans? Steve Helber/AP
In this Jan. 8, 2015, file photo, a sign with a sold sticker is posted in front of a row of new town homes in Richmond, Va. Who is eligible to use VA home loans? Steve Helber/AP

Dear Q&B --

I am the adult daughter of a veteran. Am I able to apply for a VA home loan? Who is eligible for a VA loan?

-- Sue

Dear Sue --

I get a lot of questions from relatives of veterans like yourself who are hoping to cash in on veteran benefits in some way, whether it be through health care, shopping discounts or the VA home loan program.

Unfortunately, very rarely do the benefits of past service extend past the spouse or minor children of the veteran. In some circumstances, dependent disabled adult children can access their parent veteran's benefits.

So who is eligible for a VA loan? The VA home loan program has even more stringent rules than many of the other benefits.

For example, disabled adult dependents cannot use it. Veterans can personally use the VA home loan if they meet the time-in-service eligibility requirements. Unremarried spouses of deceased veterans who died on active duty or as a result of a service-connected disability, or unremarried spouses of veterans who are missing in action or prisoners of war, are also eligible.

The only time a spouse in the above category can still use the VA home loan and remarry is if she or he remarries after age 57.

As the adult daughter of a veteran, you are not eligible for a VA loan.

-- Team Q&B

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