How Many Times Can You Use a VA Loan?

– No Set Limit – You can use a VA loan multiple times if you meet eligibility requirements.

– Must Restore Entitlement – To reuse a VA loan, you need to pay off the previous loan or request entitlement restoration.

Partial Entitlement Use – If you haven’t used your full entitlement, you may qualify for another VA loan.

– Selling or Refinancing Frees Up Entitlement – Paying off or refinancing a VA loan can restore eligibility for future use.

– Second VA Loan Is Possible – You may be able to have two VA loans at once under specific conditions.

– Funding Fees Apply Each Time – VA loans have a funding fee, which increases if used multiple times.

Check Eligibility Before Applying – Always confirm your remaining entitlement with the VA or a lender.