No, you cannot use a VA loan to buy a house overseas. VA mortgage loans are exclusively for properties located within the United States or its territories.
Even if you are stationed in another country as a service member, the property you intend to purchase with a VA loan must still be situated in the U.S. or one of its territories. This geographical restriction ensures that VA benefits are applied to domestic real estate.
Geographic Scope of VA Loans
VA loans are designed to assist eligible service members, Veterans, and surviving spouses in purchasing homes within specific geographical boundaries. These boundaries include:
- United States: This encompasses all 50 states and the District of Columbia.
- U.S. Territories: These include:
- Puerto Rico
- Guam
- U.S. Virgin Islands
- American Samoa
- Northern Mariana Islands
This definitive scope means that properties located in any foreign country are not eligible for purchase using a VA loan.
