One of the best benefits of military service is access to VA loans, which makes homeownership more accessible. But many people don’t realize that a VA loan isn’t just a one-time use. In many cases, eligible service members and veterans can use their VA loan benefit multiple times throughout their lives. Reusing a VA loan becomes especially beneficial during PCS moves. For example, you could buy a home at one duty station, move across the country a few years later, keep the original property as a rental, and use a VA loan again for the next house. In this guide, we’ll explain how VA loan entitlement works, how to restore entitlement to use a VA loan again, and whether you can have two VA loans at the same time.
Can You Use a VA Loan More Than Once?
Yes, VA loans are reusable. Eligible veterans and active-duty service members can use multiple VA loans as long as they still have remaining entitlement or restore previously used entitlement. The VA doesn’t limit how many times you can use a VA loan over your lifetime. But you have to meet certain criteria if you want to reuse a VA loan. For example, the property must be your primary residence, and you have to meet the VA lender’s credit and income requirements. Here are a few common situations where military families might reuse a VA loan:
