Disabled Veterans' Surviving Spouses Home Loans Act - Includes as a veteran, for purposes of eligibility for housing loans guaranteed by the Department of Veterans Affairs (VA), the surviving spouse of a veteran whose death was not a result of willful misconduct, and at the time of death was in receipt of or entitled to compensation for a service-connected disability rated totally disabling if: (1) the disability was so rated for ten or more years preceding death; (2) the disability was so rated for at least five years since the veteran's discharge or release from active duty; or (3) the veteran was a former prisoner of war who died after September 30, 1999, and the disability was so rated for at least one year preceding death.