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Do I Qualify for Restoration of VA Loan Entitlement?

Restoration of VA Loan Entitlement Involves What?

Perhaps you have had a home loan in the past and would like a restoration of VA loan entitlement to buy another, is this possible? Yes, but there are stipulations that must be met before you can do this. Read on to find out what is involved....

Here is one stipulation, if you have already used a VA loan Certificate in the past and would like to buy another home, you must provide proof that you have either sold the home or another veteran has assumed the mortgage.

If you think you are ready, be sure to get a lender who is familiar with working with this mortgage option.

You begin this restoration by filling out a VA Form 26-1880 and submit it along with proof of service to the loan officer handling a new mortgage transaction. This will allow them to obtain a new certificate for you.

Now if you have paid off a previous VA mortgage, and still have the property, you can request a restoration of this entitlement. They will allow this on a one time only basis.

restoration of va loan entitlement

Remember, as a veteran of the United States military, you should be eligible for receiving a VA loan certificate that will entitle you to a federally guaranteed home loan with no requirements for a down payment.

This program began in 1944 as the Servicemen's Readjustment Act and is also known as the GI Bill of Rights. It was enacted to show appreciation to those who served in the military of our nation by helping them to become reestablished in the nation they valiantly defended. So take advantage of this provision.

You must have served in any branch of the U.S. military, for a specified length of time, in order to be eligible to benefit from the veteran home loans program. Your eligibility for this certificate is determined by the VA.

Once you have established your qualifications the VA will issue a certificate of eligibility for use during the application process for a VA loan. This service is also available for those who are currently serving in the military or their spouse.

When you are ready to request a VA loan certificate, you will be required to fill out a VA Form 26-1880, Request For A Certificate of Eligibility For VA Home Loan Benefits and then submit it to a VA Eligibility Center with proof of service which is described on the forms instruction page.

There are a few ways of receiving this certificate. You can fill out a request online or speak with a loan officer who will be able to secure one for you through the online system. You can also request it through the mail by sending all the documentation to the VA office in Wintson-Salem, North Carolina.

All of this is intended to assist those who have served our country to live out their dreams of home ownership. And it is pretty awesome that a restoration of this entitlement will allow you another opportunity!

Have More Restoration of VA Loan Entitlement Questions?

Would you like to request restoration of this certificate? You can do this at your nearest VA office by completing VA Form 26-1880 (be sure to type in 26-1880 in the box provided).

If you have any questions regarding restoration of VA loan entitlement, be sure to contact me.


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