{"id":29480,"date":"2018-03-19T21:18:05","date_gmt":"2018-03-19T21:18:05","guid":{"rendered":"https:\/\/one.sightlinemg.com\/navytimes\/uncategorized\/2018\/03\/19\/ready-for-a-new-va-loan-here-are-the-only-4-ways-to-restore-your-entitlement\/"},"modified":"2026-08-08T02:46:21","modified_gmt":"2026-08-08T02:46:21","slug":"ready-for-a-new-va-loan-here-are-the-only-4-ways-to-restore-your-entitlement","status":"publish","type":"post","link":"https:\/\/one.sightlinemg.com\/navytimes\/home-hq\/2018\/03\/19\/ready-for-a-new-va-loan-here-are-the-only-4-ways-to-restore-your-entitlement\/","title":{"rendered":"Ready for a new VA loan? Here are the only 4 ways to restore your entitlement"},"content":{"rendered":"\n

If you\u2019re seeking another VA-backed home loan<\/a>, you\u2019re far from alone: The program is no stranger to repeat business<\/a>.<\/p>\n\n\n\n

But before taking a second stab at the process (and all that comes with it, including increased funding fees<\/a>), be sure that you\u2019ve restored your entitlement, which determines how much you can borrow. Click here<\/a> to learn more about loan limits, county-by-county exceptions, and how a $36,000 base entitlement can, thanks to bonus entitlements and other number-crunching, be enough to cover a VA-backed loan in excess of $400,000.<\/p>\n\n\n\n

Before delving into that math<\/a>, be sure you\u2019ve got that entitlement ready to go. It can be re-established via four methods, per VA guidance:<\/p>\n\n\n\n

1. Disposal and repayment.<\/b> This is the most straightforward method: Sell the old house and pay off the loan, and your entitlement is restored. This also applies in cases where the property is destroyed.<\/p>\n\n\n\n

2. Refinance. <\/b>The entitlement used in the financing of a property can be re-used for the refinancing of that property. The new loan must pay off the old loan.<\/p>\n\n\n\n

3. One-time restoration.<\/b> Beneficiaries can reclaim their entitlement once if they\u2019ve paid off the VA-backed loan, even if they do not sell the property. After using this option, future VA loans must come with the disposal of any property financed via VA-backed loans. The borrower also must continue to meet VA loan requirements, including residency rules; in other words, you\u2019ll need to be a full-time resident of the new home.<\/p>\n\n\n\t