{"id":6116,"date":"2023-06-26T18:28:31","date_gmt":"2023-06-26T18:28:31","guid":{"rendered":"https:\/\/griffinfunding.com\/?p=6116"},"modified":"2025-02-27T16:08:30","modified_gmt":"2025-02-27T16:08:30","slug":"va-restoration-of-entitlement","status":"publish","type":"post","link":"https:\/\/griffinfunding.com\/blog\/va-loans\/va-restoration-of-entitlement\/","title":{"rendered":"VA Restoration of Entitlement: A Guide to Restoring Your VA Loan Entitlement"},"content":{"rendered":"<p>VA entitlement is a benefit veterans are eligible for that allows them to get qualify for a <a href=\"https:\/\/griffinfunding.com\/traditional-mortgages\/va-loans\/\">VA loan<\/a>. Entitlement is available to veterans who meet certain requirements, which include at least 90 days of active-duty service. In the event that you default on a VA loan, you typically lose your VA entitlement.<\/p>\n<p>Have you recently lost your VA entitlement? Do you have questions about qualifying for a VA loan or the<a href=\"https:\/\/griffinfunding.com\/blog\/mortgage\/average-down-payment-on-a-house\/\"> average down payment<\/a> for VA loans? We&#8217;re here to help. Keep reading to learn more about VA entitlement restoration and how to restore VA entitlement so that you can get the most out of your home loan.<\/p>\n<div id=\"key_takeaways\"><h3>KEY TAKEAWAYS<\/h3><ul>\n<li>VA entitlement guarantees a certain amount on your loan, which means the VA will repay that amount to your lender if you default on a loan.<\/li>\n<li>You should have full entitlement if you qualify for a VA loan and never used it, but you may have partial entitlement if you\u2019re still paying off a VA loan.<\/li>\n<li>There are a handful of ways to restore VA entitlement, including selling your property and repaying the loan or having a qualifying veteran assume your loan.<\/li>\n<li>The timeline for restoring VA entitlement depends on the restoration method you choose.<\/li>\n<\/ul>\n<\/div>\n<h2><b>What Is VA Entitlement?<\/b><\/h2>\n<p>VA entitlement is one of the benefits military veterans are eligible for after they\u2019ve fulfilled basic service requirements. Once you qualify for<a href=\"https:\/\/griffinfunding.com\/blog\/va-loans\/va-entitlement-explained-basic-bonus-loan-entitlements\/\">\u00a0VA entitlement<\/a>, the VA will agree to repay a certain portion of your VA loan if you default on that loan.<\/p>\n<p>While<a href=\"https:\/\/griffinfunding.com\/blog\/va-loans\/va-loan-limits\/\">\u00a0VA loan limits<\/a>\u00a0have been\u00a0<a href=\"https:\/\/www.va.gov\/housing-assistance\/home-loans\/loan-limits\/\">eliminated for veterans with full entitlement<\/a>, those with partial entitlement may still be subject to county-specific limits. In order to qualify for VA entitlement, you typically need 90 days of active-duty service in any branch of the military. Veterans and, in some cases, surviving spouses, can also be eligible for VA loans.<\/p>\n<div class=\"cta_banner\" style=\"background:url(https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/04\/catbanner1.jpg)\"><h3>Find out if you qualify for a VA loan with Griffin Funding.<\/h3><a href=\"https:\/\/apply.griffinfunding.com\/#\/milestones\">Apply Today<\/a><\/div>\n<h2><strong>Why Is VA Entitlement Restoration Important?<\/strong><\/h2>\n<p>In simple terms, your VA entitlement is how much money the VA will guarantee when you take out a VA loan. Those who have never taken out a VA loan or have repaid their VA loan and sold the property they bought it with typically have full entitlement. With full entitlement, you don\u2019t have to make a down payment on your VA loan and the VA guarantees up to 25% of the loan amount, regardless of how much you borrow.<\/p>\n<p>Those with partial entitlement, on the other hand, may have to put money down if the loan amount exceeds their entitlement. However, you can always restore your full VA entitlement and use the VA loan as many times as you\u2019d like, provided you meet certain requirements.<\/p>\n<h2><b>Obstacles to Getting Your VA Entitlement Restored<\/b><\/h2>\n<p>There are a few things that can stand in the way of you getting your full VA entitlement restored. Some of these obstacles include:<\/p>\n<ul>\n<li aria-level=\"1\"><b>You haven\u2019t paid off a VA loan<\/b>: If you\u2019ve previously taken out a VA loan, that mortgage must be completely paid off in order to restore your full entitlement. You may still have partial entitlement.<\/li>\n<li aria-level=\"1\"><b>You haven\u2019t sold the property you bought with a VA loan<\/b>: In addition to paying off your current VA loan, you must also sell the property you purchased it with in order to restore your entitlement. Note that VA loans are intended for primary residences only, and not investment, rental, or vacation properties.<\/li>\n<li aria-level=\"1\"><b>The VA hasn\u2019t been informed about the sale of your property<\/b>: Even if you sell the home you purchased with your previous VA loan, you must inform the VA so that they have a record of the property being sold.<\/li>\n<li aria-level=\"1\"><b>You defaulted on your last VA loan<\/b>: If you default on a VA loan, this can impact your entitlement and eligibility. You must eventually repay this amount if you want to restore your VA entitlement.<\/li>\n<\/ul>\n<p>Before starting the restoration process, it&#8217;s helpful to use a<a href=\"https:\/\/griffinfunding.com\/blog\/va-loans\/va-loan-calculator\/\">\u00a0VA loan calculator<\/a>\u00a0to estimate your potential new loan amount and monthly payments.<\/p>\n<div style=\"border-left: 3px solid #BE0C0C; margin: 20px auto; padding: 5px 40px 5px 40px;\">\n<p>\u201cVeterans can use a VA loan more than once. Even after using their benefits, Veterans may still qualify for another VA loan. As an underwriter, I have worked on helping Veterans through the VA Restoration of Entitlement.\u201d<\/p>\n<p style=\"font-size: 14px !important;\">Phuong Lee, Underwriting Manager at Griffin Funding<\/p>\n<\/div>\n<h2><b>How to Restore Your VA Entitlement<\/b><\/h2>\n<p>You have a few different options when it comes to restoring VA entitlement, so it&#8217;s smart to assess your situation to figure out which option is best for you. Paying off your loan is the quickest and easiest way to restore your VA entitlement so you can take out another loan, but you can learn more about some of your other options below.<\/p>\n<h3><b>1. Sell your home and pay off your loan<\/b><\/h3>\n<p>The simplest way to restore your VA entitlement is to sell your home and pay off your existing VA loan. You can also pay off the VA loan attached to the property and use your VA entitlement to buy a new primary residence. In this way, you can live in the new home while using the former home as a vacation or investment property.<\/p>\n<h3><b>2. Allow a qualifying veteran to assume your VA loan<\/b><\/h3>\n<p>Having a qualified veteran assume your VA loan is another option. If you can\u2019t sell your home for the full amount you need to repay your loan, you can find a qualified veteran who can assume your loan and allow you to restore your VA entitlement. The requirements for assuming a VA loan may vary slightly from\u00a0<a href=\"https:\/\/griffinfunding.com\/blog\/va-loans\/can-you-use-a-va-loan-after-military\/\">general VA loan requirements<\/a>, but anyone who\u2019s eligible for a VA loan should have no trouble assuming your loan if they want to.<\/p>\n<h3><b>3. Restore VA entitlement through refinancing<\/b><\/h3>\n<p>If you can\u2019t sell your property to repay your loan and you can\u2019t find a qualifying veteran to assume your loan, you can restore your entitlement by refinancing. Some veterans choose to<a href=\"https:\/\/griffinfunding.com\/blog\/va-loans\/va-debt-consolidation-loan\/\">\u00a0consolidate debt<\/a>\u00a0through a VA cash-out refinance while simultaneously addressing their entitlement situation. Refinancing your VA loan can allow you to pay off your existing loan while adjusting your interest rate. Borrowers can use a\u00a0<a href=\"https:\/\/griffinfunding.com\/traditional-mortgages\/va-loans\/va-cash-out-refinance-loan\/\">VA cash-out refinance<\/a>\u00a0loan to convert their home equity into cash or a\u00a0<a href=\"https:\/\/griffinfunding.com\/traditional-mortgages\/va-loans\/va-streamline-refinance-loan-irrrl\/\">VA streamline refinance<\/a>\u00a0loan (IRRRL) to lower their monthly mortgage payment.<\/p>\n<h3><b>4. Apply for the one-time restoration of entitlement<\/b><\/h3>\n<p>You can restore your VA entitlement by applying for the one-time restoration of entitlement that the VA offers. This is a benefit that allows you to restore your entitlement, but you can only use it one time. You may qualify for a one-time VA restoration of entitlement if you\u2019ve repaid your VA loan but haven\u2019t sold your home. This is a significant benefit, as it allows qualifying borrowers to keep the first home they purchased and use the VA loan on a new property as well.<\/p>\n<p>Once your entitlement is restored, you&#8217;ll need to obtain a<a href=\"https:\/\/griffinfunding.com\/blog\/va-loans\/va-loan-preapproval\/\">\u00a0VA loan pre-approval<\/a>\u00a0to understand exactly how much you can borrow for your next home purchase.<\/p>\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><b>How Many Times Can You Restore Entitlement?<\/b><\/h2>\n<p>Practically speaking, you can restore entitlement and use a VA loan multiple times as long as you continue to meet the requirements for VA entitlement restoration. As long as you&#8217;re able to repay your loan without having to convert it to a non-VA loan, you can typically keep applying for VA restoration of entitlement.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-6114 size-full\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/06\/image1-10.jpg\" alt=\"A man dressed in military fatigues sits on a couch with an arm around his wife, an open laptop on his lap, and a small dog sitting on his wife\u2019s lap.\" width=\"1000\" height=\"667\" srcset=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/06\/image1-10.jpg 1000w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/06\/image1-10-300x200.jpg 300w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/06\/image1-10-768x512.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/p>\n<p>While<a href=\"https:\/\/griffinfunding.com\/blog\/va-loans\/how-many-times-can-you-use-a-va-loan\/\"> using a VA loan multiple times<\/a> is possible, you should also remember that there are specific requirements you have to meet. If you choose to restore your entitlement using the one-time VA restoration of entitlement, you&#8217;ll only be able to do so once\u2014moving forward, you\u2019ll have to sell off all properties associated with your VA loan if you want to restore your entitlement.<\/p>\n<h2><b>How Long Does It Take to Restore VA Entitlement?<\/b><\/h2>\n<p>Restoring VA entitlement can be a lengthy process if you need to find someone to assume a loan or sell your home to repay a loan. Once your loan is paid off, you&#8217;ll need to fill out an application and submit it to the VA.<\/p>\n<p>So how long does it take to restore VA loan entitlement? Depending on who you work with, it can take anywhere from a few days to a few weeks after all requirements have been met to get your VA entitlement restored. Working with a qualified VA lender like Griffin Funding is the best way to make sure your entitlement is restored as quickly as possible.<\/p>\n<div class=\"cta_banner\" style=\"background:url(https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/04\/Catbanner2.jpg)\"><h3>Ready to assume a VA loan?<\/h3><a href=\"https:\/\/griffinfunding.com\/full-page-form-quick-quote\/\/\">Contact Us<\/a><\/div>\n<h2><b>Apply for VA Entitlement Restoration Today<\/b><\/h2>\n<p>Restoring VA entitlement is essential if you\u2019re planning on taking out a loan to purchase property in the near future. Whether you&#8217;re a<a href=\"https:\/\/griffinfunding.com\/blog\/va-loans\/military-first-time-home-buyer\/\">\u00a0first-time buyer<\/a>\u00a0or looking to use your VA benefits again, understanding the entitlement restoration process is crucial. Unfortunately, it can be tough to get all your finances worked out so you can restore your entitlement. The first step is figuring out how you\u2019re going to repay your loan or who\u2019s going to assume it.<\/p>\n<p>At Griffin Funding, we\u2019ve been funding VA loans for a long time, so we know them inside and out. As a leading VA lender, we can help you restore your entitlement so you can qualify for a VA loan. Plus, with the<a href=\"https:\/\/gold.griffinfunding.com\/pfm\/registration\/invite?key=1c204fd9-839b-4775-aed1-9844766b60a6\">\u00a0Griffin Gold app<\/a>, you can easily manage your finances, track your credit, and connect with a loan specialist whenever you need guidance. Contact Griffin Funding to get help with your VA entitlement restoration today and take advantage of competitive\u00a0<a href=\"https:\/\/griffinfunding.com\/traditional-mortgages\/va-loans\/va-rates\/\">VA loan rates<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>VA entitlement is a benefit veterans are eligible for that allows them to get qualify for a VA loan. Entitlement is available to veterans who meet certain requirements, which include at least 90 days of active-duty service. In the event that you default on a VA loan, you typically lose your VA entitlement. Have you<a class=\"moretag\" href=\"https:\/\/griffinfunding.com\/blog\/va-loans\/va-restoration-of-entitlement\/\">&#8230;<\/a><\/p>\n","protected":false},"author":2,"featured_media":6115,"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-6116","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 to Restore Your VA Entitlement | Griffin Funding<\/title>\n<meta name=\"description\" content=\"Learn how VA restoration of entitlement works and how to regain your VA loan entitlement after paying off a VA loan or selling a home.\" \/>\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\/va-restoration-of-entitlement\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"VA Restoration of Entitlement: A Guide to Restoring Your VA Loan Entitlement\" \/>\n<meta property=\"og:description\" content=\"Learn how VA restoration of entitlement works and how to regain your VA loan entitlement after paying off a VA loan or selling a home.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/griffinfunding.com\/blog\/va-loans\/va-restoration-of-entitlement\/\" \/>\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 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