{"id":5837,"date":"2023-05-10T23:13:21","date_gmt":"2023-05-10T23:13:21","guid":{"rendered":"https:\/\/griffinfunding.com\/?p=5837"},"modified":"2026-03-22T14:46:14","modified_gmt":"2026-03-22T14:46:14","slug":"how-many-times-can-you-use-a-va-loan","status":"publish","type":"post","link":"https:\/\/griffinfunding.com\/blog\/va-loans\/how-many-times-can-you-use-a-va-loan\/","title":{"rendered":"How Many Times Can You Use a VA Loan?"},"content":{"rendered":"<p>A\u00a0<a href=\"https:\/\/griffinfunding.com\/traditional-mortgages\/va-loans\/\">VA loan<\/a>\u00a0can help you achieve your dream of homeownership with more flexible lending criteria. However, these loans are only available for eligible veterans, active duty service members, and surviving spouses. If you\u2019ve used your VA loan before or are considering using your entitlement to purchase your first house, you might wonder, \u201cHow many times can I use my VA loan?\u201d<\/p>\n<p>Believe it or not, you can use your VA loan more than once, and it\u2019s a great option for borrowers who have already paid off their loan and want to move. However, how many times you can use your VA loan depends on several factors because you\u2019ll have to meet both the VA and a private lender\u2019s requirements and criteria to qualify.<\/p>\n<p>So how many times can you use a VA loan? If you\u2019ve already used your VA loan and have remaining entitlement, you can use your VA loan as many times as you need. However, there are several things to keep in mind. Keep reading to get a better understanding of how many times you can use a VA loan.<\/p>\n<div id=\"key_takeaways\"><h3>KEY TAKEAWAYS<\/h3><ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You can use your VA loan as many times as you want as long as you\u2019re still eligible.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Whether you qualify for a VA loan with a zero percent down payment depends on your remaining entitlement.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">VA loans are designed for primary residences, so while having two VA loans at once is possible, you must meet the VA\u2019s occupancy requirements and pay both mortgages at once.<\/span><\/li>\n<\/ul>\n<\/div>\n<h2><span style=\"font-weight: 400;\">How Many Times Can You Use a VA Loan?<\/span><\/h2>\n<p>There\u2019s no limit on how many times you can use your VA loan benefit. As long as you\u2019re\u00a0<a href=\"https:\/\/www.va.gov\/housing-assistance\/home-loans\/eligibility\/\">eligible according to the VA\u2019s rules<\/a>, the only restriction is your remaining entitlement. If you\u2019re eligible for a VA loan, you\u2019ll receive your entitlement, a specific amount guaranteed by the Department of Veterans Affairs.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-5839 size-full\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/05\/image1.png\" alt=\"\" width=\"1999\" height=\"699\" srcset=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/05\/image1.png 1999w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/05\/image1-300x105.png 300w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/05\/image1-1024x358.png 1024w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/05\/image1-768x269.png 768w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/05\/image1-1536x537.png 1536w\" sizes=\"auto, (max-width: 1999px) 100vw, 1999px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Thus, how many times you can use a VA loan depends on whether or not you have full or partial entitlement. Even then, having partial entitlement won\u2019t prevent you from using your VA loan a second time, but it may come with a down payment requirement.\u00a0<\/span><\/p>\n<p>Before using your VA benefit, we recommend learning\u00a0<a href=\"https:\/\/griffinfunding.com\/blog\/va-loans\/can-you-use-a-va-loan-after-military\/\">how to get a VA loan<\/a>\u00a0to ensure you understand the process. Every time you use your VA loan, you\u2019ll have to meet the various requirements of your lender and the VA.<\/p>\n<h2><span style=\"font-weight: 400;\">Can You Have Multiple VA Loans at the Same Time?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Since you can use your VA benefit multiple times, you might wonder, \u201cCan you have two VA loans at the same time?\u201d VA loans are designed for primary residences. Therefore, you can\u2019t get them for any type of property you don\u2019t plan to live in. However, there are a few exceptions where you can have two properties financed with a VA loan simultaneously.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This is most common when active duty service members receive permanent change of station (PCS) orders, so they must move to a new location. If this happens, as long as you still qualify for a VA loan, you can get a second home with another VA loan. However, this is something you\u2019ll have to discuss with your lender.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This example is a special circumstance, and the VA is willing to grant an exception. However, most people can\u2019t use multiple VA loans simultaneously because the VA has specific occupancy requirements. For instance, you must live in the home for at least 12 months and move in within 60 days or a reasonable timeframe.\u00a0<\/span><\/p>\n<p>In any case, you\u2019ll be responsible for paying both mortgages. That means meeting VA loan income requirements, having a good enough credit score, and proving your ability to repay both mortgages simultaneously. Additionally, you must have enough of your remaining entitlement left over from the first loan to get the benefit of the zero percent down payment associated with VA loans. You\u2019ll be responsible for a down payment if you don\u2019t have enough of your entitlement left.<\/p>\n<div class=\"cta_banner\" style=\"background:url(https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/04\/catbanner1.jpg)\"><h3>Griffin Funding is dedicated to providing our customers with unparalleled service and the most favorable terms.<\/h3><a href=\"https:\/\/griffinfunding.com\/full-page-form-quick-quote\/\/\">Get Started<\/a><\/div>\n<h2><span style=\"font-weight: 400;\">What Is VA Loan Entitlement?<\/span><\/h2>\n<p>Your entitlement is what the VA will pay to the lender if you default on your loan and is up to 25% of the total loan amount if you have your full entitlement. If you don\u2019t have your full entitlement, the VA will guarantee part of the loan, and you may be responsible for providing a down payment to cover the difference.<\/p>\n<h3><span style=\"font-weight: 400;\">Full Entitlement<\/span><\/h3>\n<p>Full entitlement is the maximum amount the VA will guarantee the lender if you default on the loan and is equal to 25% of the loan amount. Full\u00a0<a href=\"https:\/\/griffinfunding.com\/blog\/va-loans\/va-entitlement-explained-basic-bonus-loan-entitlements\/\">VA entitlement<\/a>\u00a0is crucial if you want to keep using your VA loan benefit without making a down payment. You have your full entitlement if you\u2019ve never used your VA loan before, and you can restore full entitlement multiple times throughout your life, but it ultimately depends on whether you\u2019ve paid off the loan and sold the property.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-5840 size-full\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/05\/image4-1.png\" alt=\"\" width=\"1999\" height=\"812\" srcset=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/05\/image4-1.png 1999w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/05\/image4-1-300x122.png 300w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/05\/image4-1-1024x416.png 1024w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/05\/image4-1-768x312.png 768w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/05\/image4-1-1536x624.png 1536w\" sizes=\"auto, (max-width: 1999px) 100vw, 1999px\" \/><\/p>\n<p>If you haven\u2019t used your VA entitlement yet, read these\u00a0<a href=\"https:\/\/griffinfunding.com\/blog\/va-loans\/va-loans-for-first-time-home-buyers\/\">first-time home buyer VA loan tips<\/a>\u00a0to learn more about the process.<\/p>\n<h3><span style=\"font-weight: 400;\">Partial Entitlement<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Partial entitlement is when you\u2019ve already used your VA loan, and your full entitlement hasn\u2019t been restored. Someone may have partial entitlement if they:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Are currently repaying the VA loan<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fully repaid a VA loan but still own the home<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Refinanced the VA loan into a conventional or non-VA loan<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Get their home foreclosed<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">You can use the VA loan as many times as you want throughout your life as long as you have remaining entitlement. For example, if you\u2019ve already purchased a home using your VA entitlement and haven\u2019t paid off the loan and sold the home, you may still have partial entitlement that you can use to qualify for a loan. However, you may be required to make a down payment if the entitlement doesn\u2019t cover 25% of the loan value.\u00a0<\/span><\/p>\n<p>The VA uses\u00a0<a href=\"https:\/\/www.va.gov\/housing-assistance\/home-loans\/loan-limits\/\">local conforming loan limits<\/a>\u00a0to determine whether your remaining entitlement will cover the 25% guarantee. Let\u2019s look at an example in which you\u2019ve already used $150,000 of your entitlement, and it hasn\u2019t been restored. You\u2019re interested in purchasing a property worth $250,000 in a location with a conforming loan limit of $766,550.<\/p>\n<ol>\n<li><span style=\"font-weight: 400;\">First, the VA will calculate 25% of the loan limit before subtracting your used entitlement. In this case, the equation will look something like this: 766,500 x 0.25 &#8211; 150,000 = $41,625.\u00a0<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Next, they\u2019ll determine 25% of the total loan amount: $250,000 x 0.25 = $62,500.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">The VA will take the lesser amount, guaranteeing $41,625 of the loan. However, since you\u2019ve already used your VA loan, you\u2019ll be responsible for a down payment of $20,875 (62,500 &#8211; 41,625) to cover the 25% guarantee on the loan.\u00a0<\/span><\/li>\n<\/ol>\n<p>Want to see how much home you can potentially afford with a VA loan? In that case, take a look at our handy\u00a0<a href=\"https:\/\/griffinfunding.com\/blog\/va-loans\/va-loan-calculator\/\">VA loan calculator<\/a>. Just enter a few basic numbers, including home price and your preferred down payment amount, and it will estimate a breakdown of your monthly mortgage payment.<\/p>\n<h3><span style=\"font-weight: 400;\">Bonus Entitlement<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">There are two types of VA loan entitlement: basic and bonus. Every eligible borrower is entitled to the basic entitlement of $36,000 based on the average home price of $144,000, and the VA allows you to borrow up to four times that amount. The bonus VA entitlement is similar but covers 25% of a home price above $144,000, so if you need a larger loan amount, you\u2019ll use the bonus entitlement.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">There\u2019s no maximum loan amount for VA loans. Therefore, as long as you have full entitlement, the VA will guarantee up to 25% of your loan.\u00a0<\/span><br \/>\n<div class=\"cta_banner gold_cta\" style=\"background:url(https:\/\/griffinfunding.com\/wp-content\/uploads\/2024\/02\/gold-background-1.png)\"><h3>Download the Griffin Gold app today!<\/h3><p>Take charge of your financial wellness and achieve your homeownership goals <br><br>\r\nUse invitation code: <b>GRIFGOLD<\/b> to register.<\/p><div class=\"stores\"><a href=\"https:\/\/apps.apple.com\/us\/app\/griffin-gold\/id6460034387\"><img decoding=\"async\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2024\/02\/apple-icon.svg\" \/><\/a><a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.griffinfunding.gold\"><img decoding=\"async\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2024\/02\/google-store.svg\" \/><\/a><\/div><\/div>\n<h2><span style=\"font-weight: 400;\">How to Take Out a Second VA Loan<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">To take out a second VA loan, you must determine your eligibility and calculate your remaining entitlement. If you\u2019ve restored entitlement either by selling your first home financed with a VA loan or by using the VA\u2019s one-time restoration, you won\u2019t have to worry about making a down payment. However, if you have partial entitlement, the amount left may require a down payment to cover the 25% guaranteed amount.\u00a0<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-5841 size-full\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/05\/image3-2.jpg\" alt=\"\" width=\"1000\" height=\"666\" srcset=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/05\/image3-2.jpg 1000w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/05\/image3-2-300x200.jpg 300w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/05\/image3-2-768x511.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/p>\n<p>Whether you\u2019re a first-time buyer or want to\u00a0<a href=\"https:\/\/griffinfunding.com\/blog\/va-loans\/va-loan-for-second-home\/\">purchase a second home<\/a>, apply for a VA home loan with Griffin Funding. We can obtain your Certificate of Eligibility (COE) to determine whether you have partial or full entitlement and discuss your options to help you use your VA loan a second or third time.<\/p>\n<h3><span style=\"font-weight: 400;\">Restoring Your VA Loan<\/span><\/h3>\n<p>If you\u2019ve previously used your VA loan, you may have partial entitlement. However, there are several ways to\u00a0<a href=\"https:\/\/griffinfunding.com\/blog\/va-loans\/va-restoration-of-entitlement\/\">restore your VA entitlement<\/a>\u00a0to avoid down payments on your first, second, or third home purchase. A few ways you can restore your VA loan entitlement include:<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Repaying your first VA loan and selling the property<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Repaying the loan in full after a short sale or foreclosure<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Using the VA\u2019s one-time restoration of entitlement after refinancing an existing VA loan into a non-VA loan<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Using the one-time restoration of entitlement if you\u2019ve repaid the loan in full and want to keep the property<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Restoring your loan is crucial because it can help you qualify for the VA loan and get larger loan amounts. You won\u2019t have to make a down payment when you have full entitlement and can purchase homes in more expensive areas.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Apply for a VA Loan With Griffin Funding\u00a0<\/span><\/h2>\n<p>Ready to use your VA loan again? Talk to a Griffin Funding mortgage specialist to learn about your options. We can help you determine your eligibility and remaining entitlement amount to ensure you can take full advantage of your VA loan benefits. You can also download the\u00a0<a href=\"https:\/\/gold.griffinfunding.com\/pfm\/registration\/invite?key=1c204fd9-839b-4775-aed1-9844766b60a6\">Griffin Gold app<\/a>\u00a0to start managing your finances, get support from one of our mortgage specialists, access tools like our VA loan calculator, and much more!<\/p>\n<p>Contact us today to get started and take the first steps toward a\u00a0<a href=\"https:\/\/griffinfunding.com\/blog\/va-loans\/va-loan-preapproval\/\">VA loan pre-approval<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A\u00a0VA loan\u00a0can help you achieve your dream of homeownership with more flexible lending criteria. However, these loans are only available for eligible veterans, active duty service members, and surviving spouses. If you\u2019ve used your VA loan before or are considering using your entitlement to purchase your first house, you might wonder, \u201cHow many times can<a class=\"moretag\" href=\"https:\/\/griffinfunding.com\/blog\/va-loans\/how-many-times-can-you-use-a-va-loan\/\">&#8230;<\/a><\/p>\n","protected":false},"author":2,"featured_media":5838,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[99],"tags":[],"class_list":["post-5837","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-va-loans"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.0 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How Many Times Can I Use My VA Loan? | Griffin Funding<\/title>\n<meta name=\"description\" content=\"There\u2019s no limit on how many times you can use a VA loan. However, there are some limitations based on your VA entitlement. Learn more here.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/griffinfunding.com\/blog\/va-loans\/how-many-times-can-you-use-a-va-loan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Many Times Can You Use a VA Loan?\" \/>\n<meta property=\"og:description\" content=\"There\u2019s no limit on how many times you can use a VA loan. However, there are some limitations based on your VA entitlement. Learn more here.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/griffinfunding.com\/blog\/va-loans\/how-many-times-can-you-use-a-va-loan\/\" \/>\n<meta property=\"og:site_name\" content=\"Griffin Funding\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/griffinfunding\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/griffinfunding\" \/>\n<meta property=\"article:published_time\" content=\"2023-05-10T23:13:21+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-22T14:46:14+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/05\/image2-2.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1999\" \/>\n\t<meta property=\"og:image:height\" content=\"1333\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Bill Lyons\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/x.com\/griffinfunding\" \/>\n<meta name=\"twitter:site\" content=\"@griffinfunding\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Bill Lyons\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/va-loans\\\/how-many-times-can-you-use-a-va-loan\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/va-loans\\\/how-many-times-can-you-use-a-va-loan\\\/\"},\"author\":{\"name\":\"Bill Lyons\",\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/#\\\/schema\\\/person\\\/83571cd7f738a7f95cae1a44ad0b7ef1\"},\"headline\":\"How Many Times Can You Use a VA Loan?\",\"datePublished\":\"2023-05-10T23:13:21+00:00\",\"dateModified\":\"2026-03-22T14:46:14+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/va-loans\\\/how-many-times-can-you-use-a-va-loan\\\/\"},\"wordCount\":1602,\"publisher\":{\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/va-loans\\\/how-many-times-can-you-use-a-va-loan\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/griffinfunding.com\\\/wp-content\\\/uploads\\\/2023\\\/05\\\/image2-2.jpg\",\"articleSection\":[\"VA Loans\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/va-loans\\\/how-many-times-can-you-use-a-va-loan\\\/\",\"url\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/va-loans\\\/how-many-times-can-you-use-a-va-loan\\\/\",\"name\":\"How Many Times Can I Use My VA Loan? | Griffin Funding\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/va-loans\\\/how-many-times-can-you-use-a-va-loan\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/griffinfunding.com\\\/blog\\\/va-loans\\\/how-many-times-can-you-use-a-va-loan\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/griffinfunding.com\\\/wp-content\\\/uploads\\\/2023\\\/05\\\/image2-2.jpg\",\"datePublished\":\"2023-05-10T23:13:21+00:00\",\"dateModified\":\"2026-03-22T14:46:14+00:00\",\"description\":\"There\u2019s no limit on how many times you can use a VA loan. 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