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VALoans.com is a Mortgage Research Center, LLC Network Website

VALoans.com belongs to the Mortgage Research Center, LLC, ("MRC") Network. MRC is a private company that provides mortgage information and connects homebuyers with lenders. Neither VALoans.com nor MRC are endorsed by, sponsored by or affiliated with the United States Department of Veterans Affairs or any other government agency. MRC receives compensation for providing marketing services to a select group of companies involved in helping consumers find, buy or refinance homes. If you submit your information on this site, one or more of these companies will contact you with additional information regarding your request. For a full list of these companies click here . By submitting your information you agree MRC can provide your information to one of these companies, who will then contact you. MRC does not guarantee that you will be eligible for a loan through the VA loan program. VALoans.com will not charge, seek or accept fees of any kind from you. VALoans.com does not offer mortgage products and if you are connected to a lender through VALoans.com, specific terms and conditions from that lender will apply.

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From the Nation's Top VA Lenders Today

There are many different options when it comes to purchasing a home with a VA insured mortgage . Some borrowers are confident about purchasing the home by themselves, while others prefer the shared responsibility and lower monthly financial obligation that comes with co-borrowing on a VA loan.

The VA recognizes that some borrowers who team up to buy a home aren't always spouses, or even fellow military members. Some are co-workers or friends who share the expense and responsibility of homeownership.

Co-borrowing is an option for VA mortgages, but what are the VA rules for co-borrowers who aren't all veterans and able to use a VA loan entitlement?

Like so many other aspects of VA loans, the rules governing co-borrowers are designed to keep maximum flexibility without compromising the intent of the VA mortgage program. Between veteran co-borrowers, a single borrower can use all his or her VA loan entitlement, or the veterans can share the entitlement between them depending on their preferences.

While VA loans are also permitted for veterans with non-military co-borrowers, according to the VA official site, "the guaranty is based only on the veteran's portion of the loan. The guaranty cannot cover the non-veteran's part of the loan."

In situations like these, when a veteran borrower and non-veteran co-borrower sign the loan documents together, the VA will insure only the veteran's portion of the mortgage. As a result, the lender may require the non-veteran to provide a down payment to offset the risk of the non-insured portion of the mortgage.

These rules aside, some aspects of the VA mortgage loan application process remain the same for these types of loans. All borrowers are required to fill out the application, and the incomes for all co-borrowers are used to qualify for the mortgage. According to the VA official site, the burden of responsibility for the veteran is that "the veteran's income must be sufficient to repay at least that portion of the loan related to the veteran's interest in (his or her portion of) the property and the nonveteran's income must be adequate to cover the rest."

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Citation information in Europe Pubmed Central

The frequency and dynamics of infection with different genotypes of hepatitis C virus were investigated in a cohort of hemophiliacs repeatedly exposed to non-virus-inactivated clotting factor. Among 63 infected hemophiliacs, genotype 1 (n = 38, subtypes 1a [27] and 1b [11]) was predominant; genotypes 2a (n = 1), 2b (n = 3), 3a (n = 20), and 5a (n = 1) accounted for the remainder. This distribution was similar to that found in Scottish blood donors from whom the infected blood products were manufactured. Hemophiliacs with severe disease were more likely to be polymerase chain reaction-positive than those with moderate or mild disease. Over 10 years, changes in the circulating major genotype and serotype were observed in 9 of 29 hemophiliacs and from one subtype to another in 3, although there was no clear trend toward replacement with any particular variant. Replacement occurred after the introduction of inactivated clotting factor in 4 subjects, implicating reactivation rather than reinfection. Those coinfected with human immunodeficiency virus were more likely to show a change in genotype.

HEALEY CJ , SABHARWAL NK , MCOMISH F , CHAPMAN RW , FLEMING KA , SIMMONDS P , CHAPEL H . 1994. OUTBREAK OF ACUTE HEPATITIS-C FOLLOWING INTRAVENOUS IMMUNOGLOBULIN THERAPY HEPATOLOGY , 20 (4), pp. A249-A249.
CRAXI A , LOIACONO O , DIMARCO V , ALMASIO P , VACCARO A , CAMMA C , FABIANO C , MAGRIN S , SIMMONDS P , PAGLIARO L . 1994. COMMUNITY-ACQUIRED CHRONIC HEPATITIS-C IN AN AREA OF HIGH SEROTYPE-1 ENDEMICITY - INTERFERON FOR 6 OR 12 MONTHS HEPATOLOGY , 20 (4), pp. A162-A162.
KOLBERG J , DETMER J , JOH J , COLLINS M , ZAYATI C , URDEA M , YAP PL , MCOMISH F , SIMMONDS P , SMITH D . 1994. COMPARISON OF QUANTITATION OF 6 HEPATITIS-C GENOTYPES USING QUANTIPLEX(TM) HCV RNA ASSAY HEPATOLOGY , 20 (4), pp. A241-A241.
PAWLOTSKY JM , ROUDOTTHORAVAL F , SIMMONDS P , MELLOR J , BENYAHIA M , ANDRE C , VOISIN MC , INTRATOR L , ZAFRANI ES , DUVAL J , DHUMEAUX D . 1994. EXTRAHEPATIC IMMUNOLOGICAL MANIFESTATIONS IN CHRONIC HEPATITIS-C - ROLE OF HCV SEROTYPES HEPATOLOGY , 20 (4), pp. A385-A385.
SALEH MG , MOLLER J , FARHAT BA , MCFARLANE IG , SIMMONDS P , TIBBS CJ , WILLIAMS R . 1994. GEOGRAPHICAL-DISTRIBUTION AND CLINICAL HETEROGENEITY OF HCV GENOTYPE-4 HEPATOLOGY , 20 (4), pp. A245-A245.
PAWLOTSKY JM , VOISIN MC , KRAWCZYNSKI K , SIMMONDS P , MELLOR J , DUUVAL J , ZAFRANI ES , DHUMEAUX D . 1994. SALIVARY-GLAND LESIONS IN PATIENTS WITH CHRONIC HEPATITIS-C HEPATOLOGY , 20 (4), pp. A248-A248.

Citation information in Europe Pubmed Central

The polymerase chain reaction was used to detect hepatitis C virus infection in patients who had previously been reported to have developed non-A, non-B hepatitis after intravenous immunoglobulin infusion. Of the 33 patients with intravenous immunoglobulin associated non-A, non-B hepatitis studied, HCV RNA could be detected in 15 out of 17 patients (88%) who were HCV RNA negative prior to the development of non-A, non-B hepatitis after implicated intravenous immunoglobulin batches. Similarly, eight out of nine patients (89%) in whom no sample was available for polymerase chain reaction testing prior to intravenous immunoglobulin therapy, had detectable HCV RNA after intravenous immunoglobulin therapy with intravenous immunoglobulin batches implicated in non-A, non-B hepatitis transmission. Two of the three intravenous immunoglobulin preparations implicated in non-A, non-B hepatitis transmissions that were available for polymerase chain reaction testing also had detectable HCV RNA, confirming that hepatitis C virus is the implicated virus in intravenous immunoglobulin-associated non-A, non-B hepatitis.

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