How Many Times Can You Get a VA Loan?

You may be able to get a VA loan more than once, but there are a few things to consider first. Read on to learn more.

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The Department of Veterans Affairs’ mortgage program, known as the VA loan, is one of the few zero-down mortgage options available today. But how many times can you get a VA loan?

In general, eligible borrowers can get a VA loan more than once. However, there are a few circumstances where you may not qualify for another VA loan after using one in the past.

Here’s what you need to know about getting a VA loan multiple times.

What is a VA Loan?

A VA loan is a mortgage loan in the United States guaranteed by the United States Department of Veterans Affairs (VA). The program is for American veterans, military members currently serving in the U.S. military, reservists and select surviving spouses (provided they do not remarry) and can be used to purchase single-family homes, condominiums, multi-unit properties, manufactured homes and new construction.

How Many Times Can You Get a VA Loan?

You can get a VA loan more than once, but there are a few things to remember. First, you’ll need to qualify each time. Second, you’ll need to maintain the property you purchased with your loan in good condition. Third, you’ll need to occupy the home as your primary residence.

Here are the basics of getting a VA loan more than once.

Qualifying for a VA Loan
To qualify for a VA loan, you’ll need to meet the lender’s credit and income requirements. You’ll also need a Certificate of Eligibility from the Department of Veterans Affairs. If you’re using your VA eligibility for the first time, you can apply for your Certificate of Eligibility online.

If you’ve used your VA eligibility in the past, you may still have your Certificate of Eligibility. If not, you can get a new one by contacting the Department of Veterans Affairs or by working with a VA-approved lender.

Maintaining Your Property
When you have a VA loan, it’s important to keep your property in good condition. This means making any necessary repairs and keeping up with routine maintenance. If you don’t, it could affect your ability to get another VA loan in the future.

Occupying Your Home as Your Primary Residence
When you have a VA loan, you’re required to occupy the home as your primary residence. This means that it can’t be used as an investment property or a second home. If you’re found to be in violation of this requirement, it could affect your ability to get another VA loan in the future.

The Process of Getting a VA Loan

For those who have served our country in the military, the Veterans Administration offers a loan program to help with the purchase of a home. There are a number of different factors that go into whether or not you will be approved for a VA loan, but if you do qualify, you may be wondering how many times you can take advantage of this benefit.

The VA does not limit the number of times you can use their loan program, but they do limit the amount of money you can borrow. The maximum loan amount is $484,350 for 2019, but this amount may be higher in certain counties where housing costs are higher.

In order to get a VA loan, you will need to work with a lender who participates in the VA loan program. You will also need to have a certificate of eligibility from the VA, which you can get by contacting them or your lender. Once you have these things, the process for getting a VA loan is similar to getting any other type of mortgage.

If you already have a VA loan and want to get another one, the process is pretty much the same as it was the first time around. You will still need to get a certificate of eligibility and work with a participating lender. The main difference is that you may need to sell your current home before taking out another VA loan.

If you are thinking about using the VA loan program to buy a home, it is important to understand all of the rules and restrictions before getting started. But once you do, you may find that this benefit can help make owning your own home a reality.


In conclusion, you can get a VA loan as many times as you want, but you’ll need to meet certain criteria and you may be subject to a loan limit. If you’re thinking of getting a VA loan, be sure to compare rates and terms from multiple lenders to get the best deal.

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