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If you’re a veteran or active-duty service member in Silverdale, Bremerton, or Port Orchard, you might wonder — can you use a VA loan more than once? The short answer is yes.
The VA home loan is not a one-time benefit. It’s a lifetime entitlement that eligible veterans and military families can use repeatedly — whether you’ve sold your previous home, refinanced, or even kept your old property as a rental.
At Clint Edwards Mortgage, powered by Sammamish Mortgage, we help Kitsap County veterans understand exactly how to reuse and restore their VA loan entitlement to buy their next home confidently.
Many veterans assume their VA loan can only be used one time — but that’s a common myth.
In reality, your VA loan benefit can be used multiple times throughout your life, provided you either:
For example, a Bremerton homeowner who purchased their first home using a VA loan can sell it years later and use the benefit again to purchase a new home in Port Orchard or Silverdale — all while enjoying the same $0 down, no-PMI benefits.
💡 Local insight: Many Kitsap County service members move every few years due to PCS orders or family changes. The VA loan program is designed with that flexibility in mind.
Your entitlement is the amount of money the Department of Veterans Affairs guarantees to your lender on your behalf — typically 25% of the loan amount.
If you have full entitlement, there’s no official loan limit (since the 2020 Blue Water Navy Act). You can buy at any price your income and credit support without a down payment.
| Type | When It Applies | Down Payment Required? |
| Full Entitlement | You have no active VA loan, or you’ve sold and repaid your previous one. | ❌ No |
| Partial Entitlement | You still have an active VA-financed property. | ✅ Possibly, depending on loan size |
📍 Local Note: In Kitsap County, the 2025 conforming loan limit is $806,500, meaning veterans with full entitlement can buy even above that amount with no down payment.
If you’ve used your VA loan before, you can restore your entitlement in one of three main ways.
When you sell your VA-financed home and repay the loan, your entitlement becomes available again. You can restore it by:
Example:
A Bremerton veteran sells their home, pays off the loan, and buys a new home in Port Orchard — restoring their full entitlement for $0-down financing again.
The VA allows a one-time restoration of entitlement if you’ve paid off your VA loan but kept the property (e.g., turned it into a rental).
Example:
A Silverdale service member refinances their first VA loan into a conventional loan and keeps it as a rental. They can then restore entitlement one time to buy another primary home using VA financing.
If your first VA loan hasn’t been paid off yet, you might still have enough remaining entitlement to buy another home.
This is common for families relocating within Kitsap County who want to keep their first home as an investment.
Example:
A Port Orchard Navy family owns a VA-financed Bremerton home but needs to relocate closer to Bangor. They may use remaining entitlement to buy a second VA home in Silverdale.
The VA guarantees 25% of the county loan limit. In Kitsap County ($806,500 for 2025), that’s $201,625 in total entitlement.
If you’ve already used $100,000 of that, you have $101,625 remaining — enough for another home up to $406,500 with no down payment.
👉 Tip: The easiest way to check your remaining entitlement is to have your lender pull your Certificate of Eligibility (COE) — something Clint Edwards Mortgage can do in minutes.
Yes — it’s possible to have two VA loans simultaneously, as long as:
Real Example:
A Bremerton couple keeps their existing VA-financed home as a rental and purchases a new primary residence in Silverdale due to PCS orders. Both loans are VA-backed — using remaining entitlement.
This flexibility makes the VA loan especially valuable for service members and veterans in transition.
Each time you use your VA loan, you may pay a funding fee — a one-time cost that replaces PMI.
| Loan Type | First Use | Subsequent Use |
| Purchase (0% down) | 2.15% | 3.3% |
| IRRRL (Refinance) | 0.5% | 0.5% |
Disabled veterans and surviving spouses are exempt from this fee.
💡 Learn more: See our full guide on VA Funding Fees Explained for rates and exemptions.
Buying your next home with a VA loan is easier when you have a partner who knows the details.
Clint Edwards and the team at Sammamish Mortgage specialize in:
👉 Ready to restore your VA entitlement or buy your next home? Contact Clint Edwards today for a personalized review of your eligibility and options.
Q1: Can I have two VA loans at once?
Yes, if you have enough remaining entitlement and the new home will be your primary residence.
Q2: How do I restore entitlement after selling a home?
Submit VA Form 26-1880 with proof of payoff or let your lender handle it.
Q3: Can I reuse my VA loan if I keep my old home?
Yes, through one-time restoration or partial entitlement rules.
Q4: Does my funding fee increase the second time?
Yes, it rises from 2.15% to 3.3% for most borrowers (unless exempt).
Q5: How many times can I use my VA loan?
Unlimited — as long as entitlement is restored each time.
Whether you’re buying a home or ready to refinance, our professionals can help.
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No Obligation and transparency 24/7. Instantly compare live rates and costs from our network of lenders across the country. Real-time accurate rates and closing costs for a variety of loan programs custom to your specific situation.