Spouse and Children
The primary beneficiary of death benefits offered through the VA is the veteran’s surviving spouse. These benefits include military burial honors, death pensions (for veterans of war), and the SGLI life insurance, if applicable. When a veteran dies, some of the benefits offered through the Department of Veteran’s Affairs can still be used by surviving family members.
A surviving spouse may also be eligible to receive the VA home loan benefit. According to the guidelines, VA mortgages are available to surviving spouses when the veteran died on active duty or due to service-related injuries or disabilities. However, VA loan eligibility is not available to a to a surviving spouse who has re-married unless the re-marriage took place at or beyond the individual’s 57th birthday.
For those whose spouses die due to service-related disabilities, verification procedures may be necessary. Service-related injuries that are not investigated by the VA are not recognized under the home loan program.
Children of deceased veterans are not eligible to receive the VA home loan benefit. This is only available to the surviving spouse.
If you are the surviving spouse of a deceased veteran and you wish to use the VA mortgage entitlement, please call on of our VA home loan specialists today!