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CAN MY GAY PARTNER BE A COSIGNER ON VA LOAN
This is for my son who is married to a gay man. They live in California together and been married 4 years in gay church. Antonio is a Navy Veteran and wants to buy a house with a VA LOAN. He told me that he needs a cosigner on his VA loan and wanted me to cosign for him. But the loan officer said VA loans does not allow cosigner except husband or wife. He told the loan officer that his husband will be cosigner. The Loan officer said gay people married people don’t count. Is this true?
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2 Replies
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Did you try FHA loans? FHA loans allow coborrowers.
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Indeed, a person who happens to be your son’s husband may qualify as a co-signer on a VA loan. It is not uncommon for same-sex couples to seek legal recognition of their marriage. The US Supreme Court’s ruling in Obergefell v. Hodges is one example. The marriage law applies equally to married couples, no matter their sexual orientation.
Key Points:
According to VA Loan Guidelines, a loan can be taken out with a spouse, including a same-sex spouse. Both can be included in the loan application if your son and his husband have a legal marriage.
Loan Officer Misunderstanding: There appears to have been a misunderstanding or, at worst, a communication breakdown with the loan officer. The VA does not discriminate against anyone based on their sexual orientation or marriage; thus, all couples who are married legally should enjoy equal privileges during the loan process.
Documentation: Ensure your son has all relevant documents that prove their marriage, such as a marriage certificate, to support any loan application process.
Finding a Different Lender: However, if the loan officer keeps saying that a same-sex spouse cannot be a co-signer, you would need to find another lender who is more familiar with VA loan regulations and LGBTQ+ rights.
Your son and his spouse should be able to cope with the VA loan process together. It is worth advocating their interests and ensuring their information is not distorted. If such a situation emerges, they might consider contacting other lenders or a VA loan officer knowledgeable about same-sex couples’ rights