Yes, your spouse can occupy the home if you are an active duty military member who is deployed or cannot otherwise live at the property within a reasonable time. There are also some unique situations where the spouse of a Veteran can fulfill the requirement if employment issues are making reasonable occupancy difficult. Children and other dependents may also occupy the home while you’re serving.
It’s important to note that VA lenders have to consider the cost of a couple’s separate living arrangements. That means any rental costs or expenses associated with the separate housing situations can be factored into the overall debt-to-income ratio.