{"id":38666,"date":"2018-01-29T18:40:18","date_gmt":"2018-01-29T18:40:18","guid":{"rendered":"https:\/\/one.sightlinemg.com\/navytimes\/uncategorized\/2018\/01\/29\/restored-entitlement-83-billion-reasons-to-consider-a-second-va-loan\/"},"modified":"2026-08-08T02:41:54","modified_gmt":"2026-08-08T02:41:54","slug":"restored-entitlement-83-billion-reasons-to-consider-a-second-va-loan","status":"publish","type":"post","link":"https:\/\/one.sightlinemg.com\/navytimes\/home-hq\/2018\/01\/29\/restored-entitlement-83-billion-reasons-to-consider-a-second-va-loan\/","title":{"rendered":"\u2018Restored entitlement\u2019: $83 billion reasons to consider a second VA loan"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">When the Veterans Affairs Department sorts out the 700,000-plus annual users of VA-backed home loans, the most common demographic puts one of the most common VA loan myths to rest. Or it should, at least.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Multiple <a href=\"https:\/\/www.militarytimes.com\/home-hq\/2017\/11\/15\/i-thought-it-expired-experts-on-why-some-vets-dont-use-va-loan-benefits\/\" target=_blank>real-estate experts<\/a>, including those <a href=\"https:\/\/www.blogs.va.gov\/VAntage\/19931\/va-busts-four-home-loan-myths-that-hurt-veteran-homebuyers\/\" target=_blank>published on VA\u2019s own blog<\/a>, lament the misconception that VA loans can be used only once per veteran. There are a number of potential reasons why this belief still holds sway \u2015 beneficiaries can only use the VA loan for a permanent residence, and there is a cap on how much can be guaranteed \u2015 but that doesn\u2019t make it any less wrong.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">VA classifies those who receive more than one VA loan under \u201crestored entitlement,\u201d meaning they can obtain a second (or third, or more) loan \u201cbecause the loan was paid in full and property disposed of.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And repeat business is big: Of the VA loans issued in fiscal year 2016, nearly 44 percent of recipients had restored entitlement. The loans that went out to nearly 310,000 repeat customers totaled $83.3 billion, per the VA\u2019s 2016 budget report.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That figure far outdistances other groups of beneficiaries: Gulf War-era veterans made up 28.6 percent of VA loan users, for instance, and under VA\u2019s definition, that category spans all veterans from August 1990 to the present.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Borrowers still in uniform made up 12.5 percent of the total.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Many of these loans are refinances, so some borrowers are re-engaging with VA without changing their address.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And while repeat VA borrowers can return to the program after paying off their initial loan, it is possible to have more than one VA loan at a time, providing the combined benefit doesn\u2019t exceed a veteran\u2019s benefit cap. If the second loan doesn\u2019t fit under that threshold, it may be possible to make up the difference via a down payment. Read more about VA\u2019s loan limits <a href=\"https:\/\/www.benefits.va.gov\/homeloans\/purchaseco_loan_limits.asp\" target=_blank>here<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ready to start (or restart) your loan process? Visit our <a href=\"https:\/\/www.militarytimes.com\/home-hq\/va-loan-center\/\" target=_blank>VA Loan Center<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Return business is big for VA loans.<\/p>\n","protected":false},"author":7,"featured_media":37161,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_acf":"","_yoast_wpseo_primary_category":9,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","_smg_distribution_targets":[]},"categories":[9,29],"tags":[],"coauthors":[799],"class_list":["post-38666","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-hq","category-va-loan-center"],"acf":{"subheadline":"","legacy_arc_id":"IF6K2QCJJNAJNJNBF4PZQEKFKI","arc_canonical_url":"\/home-hq\/2018\/01\/29\/restored-entitlement-83-billion-reasons-to-consider-a-second-va-loan\/","remove_feature_photo":false,"is_sponsored":false,"subtype":"home-hq-layout","redirect_url":"","disable_inline_ads":false,"native_logo_pretext":"Presented By:"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.0 (Yoast SEO v28.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\u2018Restored entitlement\u2019: $83 billion reasons to consider a second VA loan - Navy Times<\/title>\n<meta name=\"description\" content=\"Return business is big for VA loans.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u2018Restored entitlement\u2019: $83 billion reasons to consider a second VA loan\" \/>\n<meta property=\"og:description\" content=\"Return business is big for VA loans.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/one.sightlinemg.com\/navytimes\/home-hq\/2018\/01\/29\/restored-entitlement-83-billion-reasons-to-consider-a-second-va-loan\/\" \/>\n<meta property=\"og:site_name\" content=\"Navy Times\" \/>\n<meta property=\"article:published_time\" content=\"2018-01-29T18:40:18+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-08T02:41:54+00:00\" \/>\n<meta name=\"author\" content=\"Kevin Lilley\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Kevin Lilley\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\n\t    \"@context\": \"https:\\\/\\\/schema.org\",\n\t    \"@graph\": [\n\t        {\n\t            \"@type\": \"Article\",\n\t            \"@id\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/home-hq\\\/2018\\\/01\\\/29\\\/restored-entitlement-83-billion-reasons-to-consider-a-second-va-loan\\\/#article\",\n\t            \"isPartOf\": {\n\t                \"@id\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/home-hq\\\/2018\\\/01\\\/29\\\/restored-entitlement-83-billion-reasons-to-consider-a-second-va-loan\\\/\"\n\t            },\n\t            \"author\": {\n\t                \"name\": \"migration\",\n\t                \"@id\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/#\\\/schema\\\/person\\\/cc76c831bb37a926738c8391fca7a3b1\"\n\t            },\n\t            \"headline\": \"\u2018Restored entitlement\u2019: $83 billion reasons to consider a second VA loan\",\n\t            \"datePublished\": \"2018-01-29T18:40:18+00:00\",\n\t            \"dateModified\": \"2026-08-08T02:41:54+00:00\",\n\t            \"mainEntityOfPage\": {\n\t                \"@id\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/home-hq\\\/2018\\\/01\\\/29\\\/restored-entitlement-83-billion-reasons-to-consider-a-second-va-loan\\\/\"\n\t            },\n\t            \"wordCount\": 332,\n\t            \"commentCount\": 0,\n\t            \"publisher\": {\n\t                \"@id\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/#organization\"\n\t            },\n\t            \"image\": {\n\t                \"@id\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/home-hq\\\/2018\\\/01\\\/29\\\/restored-entitlement-83-billion-reasons-to-consider-a-second-va-loan\\\/#primaryimage\"\n\t            },\n\t            \"thumbnailUrl\": \"https:\\\/\\\/one.sightlinemg.com\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/loan-modification-scam-fb.jpg.jpg\",\n\t            \"articleSection\": [\n\t                \"Home HQ\",\n\t                \"VA Loan Center\"\n\t            ],\n\t            \"inLanguage\": \"en-US\",\n\t            \"potentialAction\": [\n\t                {\n\t                    \"@type\": \"CommentAction\",\n\t                    \"name\": \"Comment\",\n\t                    \"target\": [\n\t                        \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/home-hq\\\/2018\\\/01\\\/29\\\/restored-entitlement-83-billion-reasons-to-consider-a-second-va-loan\\\/#respond\"\n\t                    ]\n\t                }\n\t            ]\n\t        },\n\t        {\n\t            \"@type\": \"WebPage\",\n\t            \"@id\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/home-hq\\\/2018\\\/01\\\/29\\\/restored-entitlement-83-billion-reasons-to-consider-a-second-va-loan\\\/\",\n\t            \"url\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/home-hq\\\/2018\\\/01\\\/29\\\/restored-entitlement-83-billion-reasons-to-consider-a-second-va-loan\\\/\",\n\t            \"name\": \"\u2018Restored entitlement\u2019: $83 billion reasons to consider a second VA loan - Navy Times\",\n\t            \"isPartOf\": {\n\t                \"@id\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/#website\"\n\t            },\n\t            \"primaryImageOfPage\": {\n\t                \"@id\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/home-hq\\\/2018\\\/01\\\/29\\\/restored-entitlement-83-billion-reasons-to-consider-a-second-va-loan\\\/#primaryimage\"\n\t            },\n\t            \"image\": {\n\t                \"@id\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/home-hq\\\/2018\\\/01\\\/29\\\/restored-entitlement-83-billion-reasons-to-consider-a-second-va-loan\\\/#primaryimage\"\n\t            },\n\t            \"thumbnailUrl\": \"https:\\\/\\\/one.sightlinemg.com\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/loan-modification-scam-fb.jpg.jpg\",\n\t            \"datePublished\": \"2018-01-29T18:40:18+00:00\",\n\t            \"dateModified\": \"2026-08-08T02:41:54+00:00\",\n\t            \"description\": \"Return business is big for VA loans.\",\n\t            \"breadcrumb\": {\n\t                \"@id\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/home-hq\\\/2018\\\/01\\\/29\\\/restored-entitlement-83-billion-reasons-to-consider-a-second-va-loan\\\/#breadcrumb\"\n\t            },\n\t            \"inLanguage\": \"en-US\",\n\t            \"potentialAction\": [\n\t                {\n\t                    \"@type\": \"ReadAction\",\n\t                    \"target\": [\n\t                        \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/home-hq\\\/2018\\\/01\\\/29\\\/restored-entitlement-83-billion-reasons-to-consider-a-second-va-loan\\\/\"\n\t                    ]\n\t                }\n\t            ]\n\t        },\n\t        {\n\t            \"@type\": \"ImageObject\",\n\t            \"inLanguage\": \"en-US\",\n\t            \"@id\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/home-hq\\\/2018\\\/01\\\/29\\\/restored-entitlement-83-billion-reasons-to-consider-a-second-va-loan\\\/#primaryimage\",\n\t            \"url\": \"https:\\\/\\\/one.sightlinemg.com\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/loan-modification-scam-fb.jpg.jpg\",\n\t            \"contentUrl\": \"https:\\\/\\\/one.sightlinemg.com\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/loan-modification-scam-fb.jpg.jpg\"\n\t        },\n\t        {\n\t            \"@type\": \"BreadcrumbList\",\n\t            \"@id\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/home-hq\\\/2018\\\/01\\\/29\\\/restored-entitlement-83-billion-reasons-to-consider-a-second-va-loan\\\/#breadcrumb\",\n\t            \"itemListElement\": [\n\t                {\n\t                    \"@type\": \"ListItem\",\n\t                    \"position\": 1,\n\t                    \"name\": \"Home\",\n\t                    \"item\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/\",\n\t                    \"ad_zone\": \"home\"\n\t                },\n\t                {\n\t                    \"@type\": \"ListItem\",\n\t                    \"position\": 2,\n\t                    \"name\": \"Home HQ\",\n\t                    \"item\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/home-hq\\\/\",\n\t                    \"ad_zone\": \"home-hq\"\n\t                },\n\t                {\n\t                    \"@type\": \"ListItem\",\n\t                    \"position\": 3,\n\t                    \"name\": \"\u2018Restored entitlement\u2019: $83 billion reasons to consider a second VA loan\"\n\t                }\n\t            ]\n\t        },\n\t        {\n\t            \"@type\": \"WebSite\",\n\t            \"@id\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/#website\",\n\t            \"url\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/\",\n\t            \"name\": \"Navy Times\",\n\t            \"description\": \"Independent News For Sailors | Navy Times\",\n\t            \"publisher\": {\n\t                \"@id\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/#organization\"\n\t            },\n\t            \"potentialAction\": [\n\t                {\n\t                    \"@type\": \"SearchAction\",\n\t                    \"target\": {\n\t                        \"@type\": \"EntryPoint\",\n\t                        \"urlTemplate\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/?s={search_term_string}\"\n\t                    },\n\t                    \"query-input\": {\n\t                        \"@type\": \"PropertyValueSpecification\",\n\t                        \"valueRequired\": true,\n\t                        \"valueName\": \"search_term_string\"\n\t                    }\n\t                }\n\t            ],\n\t            \"inLanguage\": \"en-US\"\n\t        },\n\t        {\n\t            \"@type\": \"Organization\",\n\t            \"@id\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/#organization\",\n\t            \"name\": \"Navy Times\",\n\t            \"url\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/\",\n\t            \"logo\": {\n\t                \"@type\": \"ImageObject\",\n\t                \"inLanguage\": \"en-US\",\n\t                \"@id\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/#\\\/schema\\\/logo\\\/image\\\/\",\n\t                \"url\": \"https:\\\/\\\/one.sightlinemg.com\\\/wp-content\\\/uploads\\\/2026\\\/06\\\/navy-logo-white.png\",\n\t                \"contentUrl\": \"https:\\\/\\\/one.sightlinemg.com\\\/wp-content\\\/uploads\\\/2026\\\/06\\\/navy-logo-white.png\",\n\t                \"caption\": \"Navy Times\"\n\t            },\n\t            \"image\": {\n\t                \"@id\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/#\\\/schema\\\/logo\\\/image\\\/\"\n\t            }\n\t        },\n\t        {\n\t            \"@type\": \"Person\",\n\t            \"@id\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/#\\\/schema\\\/person\\\/cc76c831bb37a926738c8391fca7a3b1\",\n\t            \"name\": \"migration\",\n\t            \"image\": {\n\t                \"@type\": \"ImageObject\",\n\t                \"inLanguage\": \"en-US\",\n\t                \"@id\": \"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/9e8d47be443ce94ce7fc357677b5f9c70235bb1f59e7267a102a74af58c04f59?s=96&d=mm&r=gcf4cb6ee0ec29e49e7a963234e4340ec\",\n\t                \"url\": \"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/9e8d47be443ce94ce7fc357677b5f9c70235bb1f59e7267a102a74af58c04f59?s=96&d=mm&r=g\",\n\t                \"contentUrl\": \"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/9e8d47be443ce94ce7fc357677b5f9c70235bb1f59e7267a102a74af58c04f59?s=96&d=mm&r=g\",\n\t                \"caption\": \"migration\"\n\t            },\n\t            \"url\": \"https:\\\/\\\/one.sightlinemg.com\\\/navytimes\\\/author\\\/migration\\\/\"\n\t        }\n\t    ]\n\t}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"\u2018Restored entitlement\u2019: $83 billion reasons to consider a second VA loan - Navy Times","description":"Return business is big for VA loans.","robots":{"index":"noindex","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"en_US","og_type":"article","og_title":"\u2018Restored entitlement\u2019: $83 billion reasons to consider a second VA loan","og_description":"Return business is big for VA loans.","og_url":"https:\/\/one.sightlinemg.com\/navytimes\/home-hq\/2018\/01\/29\/restored-entitlement-83-billion-reasons-to-consider-a-second-va-loan\/","og_site_name":"Navy Times","article_published_time":"2018-01-29T18:40:18+00:00","article_modified_time":"2026-08-08T02:41:54+00:00","author":"Kevin Lilley","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Kevin Lilley","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/one.sightlinemg.com\/navytimes\/home-hq\/2018\/01\/29\/restored-entitlement-83-billion-reasons-to-consider-a-second-va-loan\/#article","isPartOf":{"@id":"https:\/\/one.sightlinemg.com\/navytimes\/home-hq\/2018\/01\/29\/restored-entitlement-83-billion-reasons-to-consider-a-second-va-loan\/"},"author":{"name":"migration","@id":"https:\/\/one.sightlinemg.com\/navytimes\/#\/schema\/person\/cc76c831bb37a926738c8391fca7a3b1"},"headline":"\u2018Restored entitlement\u2019: $83 billion reasons to consider a second VA loan","datePublished":"2018-01-29T18:40:18+00:00","dateModified":"2026-08-08T02:41:54+00:00","mainEntityOfPage":{"@id":"https:\/\/one.sightlinemg.com\/navytimes\/home-hq\/2018\/01\/29\/restored-entitlement-83-billion-reasons-to-consider-a-second-va-loan\/"},"wordCount":332,"commentCount":0,"publisher":{"@id":"https:\/\/one.sightlinemg.com\/navytimes\/#organization"},"image":{"@id":"https:\/\/one.sightlinemg.com\/navytimes\/home-hq\/2018\/01\/29\/restored-entitlement-83-billion-reasons-to-consider-a-second-va-loan\/#primaryimage"},"thumbnailUrl":"https:\/\/one.sightlinemg.com\/wp-content\/uploads\/2026\/08\/loan-modification-scam-fb.jpg.jpg","articleSection":["Home HQ","VA Loan Center"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/one.sightlinemg.com\/navytimes\/home-hq\/2018\/01\/29\/restored-entitlement-83-billion-reasons-to-consider-a-second-va-loan\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/one.sightlinemg.com\/navytimes\/home-hq\/2018\/01\/29\/restored-entitlement-83-billion-reasons-to-consider-a-second-va-loan\/","url":"https:\/\/one.sightlinemg.com\/navytimes\/home-hq\/2018\/01\/29\/restored-entitlement-83-billion-reasons-to-consider-a-second-va-loan\/","name":"\u2018Restored entitlement\u2019: $83 billion reasons to consider a second VA loan - Navy Times","isPartOf":{"@id":"https:\/\/one.sightlinemg.com\/navytimes\/#website"},"primaryImageOfPage":{"@id":"https:\/\/one.sightlinemg.com\/navytimes\/home-hq\/2018\/01\/29\/restored-entitlement-83-billion-reasons-to-consider-a-second-va-loan\/#primaryimage"},"image":{"@id":"https:\/\/one.sightlinemg.com\/navytimes\/home-hq\/2018\/01\/29\/restored-entitlement-83-billion-reasons-to-consider-a-second-va-loan\/#primaryimage"},"thumbnailUrl":"https:\/\/one.sightlinemg.com\/wp-content\/uploads\/2026\/08\/loan-modification-scam-fb.jpg.jpg","datePublished":"2018-01-29T18:40:18+00:00","dateModified":"2026-08-08T02:41:54+00:00","description":"Return business is big for VA loans.","breadcrumb":{"@id":"https:\/\/one.sightlinemg.com\/navytimes\/home-hq\/2018\/01\/29\/restored-entitlement-83-billion-reasons-to-consider-a-second-va-loan\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/one.sightlinemg.com\/navytimes\/home-hq\/2018\/01\/29\/restored-entitlement-83-billion-reasons-to-consider-a-second-va-loan\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/one.sightlinemg.com\/navytimes\/home-hq\/2018\/01\/29\/restored-entitlement-83-billion-reasons-to-consider-a-second-va-loan\/#primaryimage","url":"https:\/\/one.sightlinemg.com\/wp-content\/uploads\/2026\/08\/loan-modification-scam-fb.jpg.jpg","contentUrl":"https:\/\/one.sightlinemg.com\/wp-content\/uploads\/2026\/08\/loan-modification-scam-fb.jpg.jpg"},{"@type":"BreadcrumbList","@id":"https:\/\/one.sightlinemg.com\/navytimes\/home-hq\/2018\/01\/29\/restored-entitlement-83-billion-reasons-to-consider-a-second-va-loan\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/one.sightlinemg.com\/navytimes\/","ad_zone":"home"},{"@type":"ListItem","position":2,"name":"Home HQ","item":"https:\/\/one.sightlinemg.com\/navytimes\/home-hq\/","ad_zone":"home-hq"},{"@type":"ListItem","position":3,"name":"\u2018Restored entitlement\u2019: $83 billion reasons to consider a second VA loan"}]},{"@type":"WebSite","@id":"https:\/\/one.sightlinemg.com\/navytimes\/#website","url":"https:\/\/one.sightlinemg.com\/navytimes\/","name":"Navy Times","description":"Independent News For Sailors | Navy Times","publisher":{"@id":"https:\/\/one.sightlinemg.com\/navytimes\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/one.sightlinemg.com\/navytimes\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/one.sightlinemg.com\/navytimes\/#organization","name":"Navy Times","url":"https:\/\/one.sightlinemg.com\/navytimes\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/one.sightlinemg.com\/navytimes\/#\/schema\/logo\/image\/","url":"https:\/\/one.sightlinemg.com\/wp-content\/uploads\/2026\/06\/navy-logo-white.png","contentUrl":"https:\/\/one.sightlinemg.com\/wp-content\/uploads\/2026\/06\/navy-logo-white.png","caption":"Navy Times"},"image":{"@id":"https:\/\/one.sightlinemg.com\/navytimes\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/one.sightlinemg.com\/navytimes\/#\/schema\/person\/cc76c831bb37a926738c8391fca7a3b1","name":"migration","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/9e8d47be443ce94ce7fc357677b5f9c70235bb1f59e7267a102a74af58c04f59?s=96&d=mm&r=gcf4cb6ee0ec29e49e7a963234e4340ec","url":"https:\/\/secure.gravatar.com\/avatar\/9e8d47be443ce94ce7fc357677b5f9c70235bb1f59e7267a102a74af58c04f59?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/9e8d47be443ce94ce7fc357677b5f9c70235bb1f59e7267a102a74af58c04f59?s=96&d=mm&r=g","caption":"migration"},"url":"https:\/\/one.sightlinemg.com\/navytimes\/author\/migration\/"}]}},"jetpack_sharing_enabled":true,"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Navy Times","distributor_original_site_url":"https:\/\/one.sightlinemg.com\/navytimes","push-errors":false,"jetpack_featured_media_url":"https:\/\/one.sightlinemg.com\/wp-content\/uploads\/2026\/08\/loan-modification-scam-fb.jpg.jpg","_links":{"self":[{"href":"https:\/\/one.sightlinemg.com\/navytimes\/wp-json\/wp\/v2\/posts\/38666","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/one.sightlinemg.com\/navytimes\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/one.sightlinemg.com\/navytimes\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/one.sightlinemg.com\/navytimes\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/one.sightlinemg.com\/navytimes\/wp-json\/wp\/v2\/comments?post=38666"}],"version-history":[{"count":1,"href":"https:\/\/one.sightlinemg.com\/navytimes\/wp-json\/wp\/v2\/posts\/38666\/revisions"}],"predecessor-version":[{"id":38668,"href":"https:\/\/one.sightlinemg.com\/navytimes\/wp-json\/wp\/v2\/posts\/38666\/revisions\/38668"}],"wp:attachment":[{"href":"https:\/\/one.sightlinemg.com\/navytimes\/wp-json\/wp\/v2\/media?parent=38666"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/one.sightlinemg.com\/navytimes\/wp-json\/wp\/v2\/categories?post=38666"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/one.sightlinemg.com\/navytimes\/wp-json\/wp\/v2\/tags?post=38666"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/one.sightlinemg.com\/navytimes\/wp-json\/wp\/v2\/coauthors?post=38666"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}