Yes, a veteran may join a non-veteran who is not his or her spouse in obtaining a VA loan but in such cases, the guaranty is determined only on that part of the loan which is allocated to the veteran. The non-veterans portion of the loan cannot be covered by the guaranty itself. Consult lenders to determine whether they would be willing to accept applications for joint loans of this type. Lenders that are willing to make these types of loans will likely require a down payment to cover risk on the unguaranteed, non-veteran’s portion of the loan. Unlike other loans, the lender must submit joint loans to VA for approval before they are made. Both incomes can be used to qualify for the loan. However, the veteran’s income must be sufficient to repay at least that portion of the loan related to the veteran’s interest in the property and the non-veteran’s income must be adequate to cover the rest.