Honoring Those Who Served with Homeownership Opportunities
Understanding VA Loan Entitlement
Your VA entitlement is the amount the Department of Veterans Affairs guarantees on your loan.
There are two types of entitlement every eligible veteran should know:
1. Basic Entitlement
The VA provides a basic entitlement of $36,000 or up to 25% of a loan amount up to $144,000.
keep reading the additional entitlement expands your buying power significantly.
2. Bonus (or “Tier 2”) Entitlement
This applies when your loan amount is above $144,000.
The VA will guarantee up to 25% of the loan amount, depending on your county’s conforming loan limit often allowing veterans to buy a home with no down payment even on higher-priced homes.
Using Your Entitlement Again
You don’t lose your entitlement forever after using it!
You can:
Restore your entitlement once a prior VA loan is paid off and the property is sold.
Reuse your entitlement if you’ve repaid your VA loan in full, even if you still own the home.
In some cases, have more than one active VA loan if your entitlement hasn’t been fully used.
If you later sell that home and pay off the loan, your full entitlement can be restored ready to use again on your next home.
Why Veterans Choose VA Loans:
- No down payment required (in most cases)
- No monthly mortgage insurance
- Flexible credit and income requirements
- Competitive interest rates
Reusable benefit — use it again for your next home
I'M NOT SURE IF I AM ELIGBLE
If you’re not sure how much of your entitlement is available or how it affects your next home purchase, don’t worry that’s what we’re here for.
We’ll review your Certificate of Eligibility (COE), walk you through your options, and help you make the most of your well-earned VA benefits
Whether you’re buying your first home, refinancing, or upgrading, VA financing offers real savings and flexibility because you’ve earned it