Does my wife have to be on my VA loan?I live in California. I finally got my credit score high enough to get approved for a loan. With a VA loan does my spouse have to be on the loan with me? If so, will her collections make it a deal breaker? Other than her collections she has no monthly bills and works two jobs.June 12 2014 - San Diego00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.