Using Your VA Loan Twice with the Help of VA Entitlement

If you want to take out a VA loan more than once, you’ll need to have VA entitlement. This is a specific dollar amount that the VA agrees to pay back to the lender if a veteran doesn’t make their loan payments. Yes, you’re read that right; this method mostly focuses on helping veterans and active military members.

How Could I Utilize My VA Loan Benefits Again?

There are a couple of ways for them to do this. Below are just a few examples.

1. Use Your Remaining Entitlement for Multiple VA Loans

The VA offers veterans a certain amount of entitlement. This is the amount that is available to purchase a home and is also used to pay off the previous loan.

It’s important to note that the VA entitlement doesn’t have an expiration date. But when it comes to a loan, it’ll be paid off on the date of closing. As long as you have an entitlement that is available, you’ll be able to use it for another mortgage.

2. Restore Your Entitlement after Selling

You’ll lose your VA entitlement if you go through a foreclosure or a short sale. If you want to get another VA loan, you may be able to do so if you’re able to restore your VA entitlement. This method works best when you’re taking out another VA loan within the same area.

In order to restore your entitlement, you’ll need to work with the VA and the lender. You’ll likely have to pay off the previous loan within 90 days of the new loan. But this is a great option for many veterans looking to purchase a home.

How Much VA Full Entitlement Can You Expect to Get?

The VA will guarantee up to 25% of the loan amount, even if it exceeds the conforming loan limit for your county. However, that doesn’t mean you can borrow unlimited money; you can only borrow as much as a lender will qualify you for.

Even if your loan amount exceeds the conforming loan limit for your county, the VA will guarantee up to 25% of the amount. You must remember that you can only borrow as much money as a lender will qualify you for.

This means that if you’re looking to buy a $400,000 home, but you only have $50,000 in VA entitlement, you won’t be able to get the full loan amount. You’ll have to look at buying a home that’s less than $400,000.

What If I Fall Short of Meeting the Maximum Loan Amount?

What if you only have $10,000 in VA entitlement, but you’re trying to get a loan that’s $100,000? While this may seem like a disadvantage, it doesn’t have to be.

Obviously, plenty of lenders will work with you; however, this is an opportunity for you to buy a home that may not be in your price range. You can use the money from the VA to put a down payment on the home and then get a home loan with a private lender.


The VA loan program is one of the most unique loan programs available. But many veterans think that they can only get one VA loan, and if they do, it must be with the same lender.

This isn’t the case, and it’s important that you know that you can get a VA loan more than once. However, you must have what the VA calls “VA entitlement.” This is the amount of money the VA agrees to pay off if you don’t make your VA loan payments.

By relying on this, you as a veteran would never have to worry about not getting your dream home in the foreseeable future.

If you are looking for the best mortgage lenders in Sacramento, TX, look no further than what we have to offer here at Hawkins Home Loans. Whether you’re buying a home, refinancing, or need cash from your home equity, we are your online resource for a stress-free process, incredibly low rates, and amazing service. Call us today and let us discuss all your available home loan options.