VA Loans

Can You Use Your VA Loan More Than Once? Yes — Here's How Reuse Actually Works

Douglas Wilkerson

Published on: 10/11/2026

Yes — the VA loan is a reusable, lifetime benefit, not a one-time deal. How entitlement comes back, the remaining-entitlement math, the subsequent-use funding fee, and how to buy again — even with two VA loans at once.

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Can You Use a VA Loan for a Manufactured Home?

Douglas Wilkerson

Published on: 09/11/2026

Yes — if the home sits on a permanent foundation and is titled as real estate. The VA rules, the land question, the shorter loan terms, and what kills the deal.

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What Credit Score Do You Actually Need for a VA Loan?

Douglas Wilkerson

Published on: 09/11/2026

The VA sets no minimum credit score — so why did a lender tell you 620? The VA rule, the lender overlays, and what your score actually costs you.

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Can I Assume Someone Else's VA Loan — and Does the Seller Get Their Entitlement Back?

Douglas Wilkerson

Published on: 08/11/2026

Yes — any creditworthy buyer can assume a VA loan, veteran or not. But the seller's entitlement only comes back if a veteran buyer substitutes their own. The full rule, fees, and real Jacksonville math.

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