How Many Times Can You Use the VA Home Loan?

You can use your VA home loan benefit multiple times, but there are a few things to consider if you’re looking to purchase another home.

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The Veterans Administration (VA) home loan is a great benefit for those who have served or are currently serving in the military. The program provides eligible borrowers with the opportunity to purchase a home with no down payment and no private mortgage insurance (PMI). The VA loan program has helped millions of military families realize the dream of homeownership.

One of the most common questions we get at Veterans United is, “How many times can you use the VA home loan benefit?” Let’s break it down.

What is the VA Home Loan?

The VA home loan is a benefits program from the United States Department of Veterans Affairs (VA) that helps veterans, service members, and eligible surviving spouses buy, refinance, or build a home. The program was created in 1944 as part of the GI Bill and has helped millions of veterans and their families buy a home.

In order to qualify for a VA home loan, you must be a veteran, active duty service member, or eligible surviving spouse. You will also need to obtain a Certificate of Eligibility (COE) from the VA in order to prove your eligibility. Once you have your COE, you can work with a lender to get pre-approved for a loan and start shopping for a home.

Once you have found a home and are ready to make an offer, your real estate agent will help you negotiate with the seller. If your offer is accepted, you will enter into a purchase agreement with the seller. The purchase agreement will outline the terms of the sale, including the price, deadline for closing, any repairs that need to be made, and who is responsible for paying closing costs.

Once the purchase agreement is signed by both parties, you will work with your lender to get final approval for your loan and close on the property. After closing, you will begin making monthly payments on your loan.

You can use your VA home loan benefit multiple times if you sell your previous home and pay off your loan before buying another one. There is no limit to how many times you can use the VA home loan benefit as long as you pay off each loan before taking out another one.

How Many Times Can You Use the VA Home Loan?

The Veterans Affairs home loan is a great benefit for those who have served our country. But how many times can you use it? The answer may surprise you.

The first-time user

The first-time user of the VA Home Loan is typically entitled to borrow up to 100% of the property’s value. In some cases, the veteran may be able to borrow more depending on the property’s location, so it is important that you consult with a lender prior to making any offers.

The subsequent user

A subsequent user is any eligible borrower who purchases a home that has already been purchased using a VA-backed loan. The home can be purchased from the previous owner or any other third party, and there is no limit to how many times the home can be sold and refinanced with a new VA loan. However, the new owner must occupy the home as their primary residence.


In conclusion, you can use the VA home loan as many times as you need to. However, you may not be eligible for the full amount each time. You will need to make sure that you have a good down payment and a good credit score in order to get the best terms possible.

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