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09/25/2026

Can you have two VA loans at the same time?

Potentially, yes.

Your VA home loan benefit is not necessarily a one-time benefit. In some situations, an eligible Veteran or service member may be able to keep a home that already has a VA loan and use remaining VA entitlement toward the purchase of another primary residence.

In Episode 7 of VA Truth, Jason Stier explains:

• Whether you can have two VA loans at the same time
• What remaining VA entitlement means
• Why having an existing VA loan does not automatically mean you have to sell
• How a PCS can affect the decision to keep or sell your current home
• Whether a previous VA-financed home can later become a rental
• Why the new VA-financed property still needs to meet VA occupancy requirements
• How remaining entitlement can affect zero-down buying power
• Why a down payment may sometimes be needed when entitlement is already in use
• How VA entitlement can be restored
• Why Veterans should run the numbers before automatically selling a property

The bigger lesson: Don't make a major financial decision because someone told you the VA loan can only be used once.

Understand your entitlement. Understand your options. Then make the decision that makes sense for your family.

Subscribe to VA Loan Boss for VA Truth: straightforward education about VA home loans, Veteran benefits, military money, homeownership, and the benefits earned through military service.

𝗪𝗮𝘁𝗰𝗵 𝘁𝗵𝗲 𝗳𝘂𝗹𝗹 𝗲𝗽𝗶𝘀𝗼𝗱𝗲 𝗵𝗲𝗿𝗲: https://youtu.be/X3n4-trbopA


𝗜𝗠𝗣𝗢𝗥𝗧𝗔𝗡𝗧: 𝘝𝘈 𝘦𝘭𝘪𝘨𝘪𝘣𝘪𝘭𝘪𝘵𝘺, 𝘦𝘯𝘵𝘪𝘵𝘭𝘦𝘮𝘦𝘯𝘵, 𝘰𝘤𝘤𝘶𝘱𝘢𝘯𝘤𝘺, 𝘭𝘰𝘢𝘯 𝘢𝘱𝘱𝘳𝘰𝘷𝘢𝘭, 𝘻𝘦𝘳𝘰-𝘥𝘰𝘸𝘯 𝘦𝘭𝘪𝘨𝘪𝘣𝘪𝘭𝘪𝘵𝘺, 𝘳𝘦𝘯𝘵𝘢𝘭-𝘪𝘯𝘤𝘰𝘮𝘦 𝘵𝘳𝘦𝘢𝘵𝘮𝘦𝘯𝘵, 𝘭𝘰𝘢𝘯 𝘢𝘮𝘰𝘶𝘯𝘵, 𝘢𝘯𝘥 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘯𝘨 𝘵𝘦𝘳𝘮𝘴 𝘥𝘦𝘱𝘦𝘯𝘥 𝘰𝘯 𝘵𝘩𝘦 𝘪𝘯𝘥𝘪𝘷𝘪𝘥𝘶𝘢𝘭 𝘣𝘰𝘳𝘳𝘰𝘸𝘦𝘳, 𝘱𝘳𝘰𝘱𝘦𝘳𝘵𝘺, 𝘭𝘦𝘯𝘥𝘦𝘳 𝘳𝘦𝘲𝘶𝘪𝘳𝘦𝘮𝘦𝘯𝘵𝘴, 𝘢𝘯𝘥 𝘤𝘶𝘳𝘳𝘦𝘯𝘵 𝘝𝘈 𝘨𝘶𝘪𝘥𝘦𝘭𝘪𝘯𝘦𝘴. 𝘛𝘩𝘪𝘴 𝘤𝘰𝘯𝘵𝘦𝘯𝘵 𝘪𝘴 𝘦𝘥𝘶𝘤𝘢𝘵𝘪𝘰𝘯𝘢𝘭 𝘢𝘯𝘥 𝘪𝘴 𝘯𝘰𝘵 𝘢 𝘭𝘰𝘢𝘯 𝘢𝘱𝘱𝘳𝘰𝘷𝘢𝘭 𝘰𝘳 𝘤𝘰𝘮𝘮𝘪𝘵𝘮𝘦𝘯𝘵 𝘵𝘰 𝘭𝘦𝘯𝘥.

09/24/2026

A real conversation military families need to have before they decide whether to buy a home at their next duty station.

If you have the right agent and lender as your partners the first question is not how much can you qualify for. The first question is: is it even right for you to buy right now?

Sometimes the honest answer is no. Not because you cannot afford it but because situationally it just does not make sense. And that is completely okay. Renting is the right answer for some families in some situations and a good partner will tell you that.

But if buying does make sense we do not just think about today. We think three to five years down the road because if you PCS too early and cannot cash flow on the rental you may end up in a difficult position.

Should a military family buy even if they know a PCS is coming? It depends on the individual situation.

Some military buyers say they buy everywhere they go. They view a $300 a month shortfall as the same as putting $300 into the stock market. They are investing in an asset that appreciates and builds equity and they are comfortable with that approach.

Others say they cannot take on that risk. If the refrigerator breaks they do not have the extra cash to cover it. That is a completely valid and honest assessment and nobody should be pushed into buying if that is their reality.

But if you are somewhere in between those two positions let's get educated. Let's talk about house hacking. Buying a fourplex, living in one unit, and renting the other three can completely change the math. If you buy right those three doors could cover the entire mortgage and turn your housing cost into a net zero or even a positive cash flow investment.

Reach out and let's figure out which path is right for your family.

09/24/2026

Price cuts are a normal part of today’s housing market, and both buyers and sellers can use them to their advantage. Let's look at what's actually happening with prices in your neighborhood, so you know exactly where you stand before you list or make an offer.

Price cuts are turning up everywhere right now, and they read very differently depending on which side of the deal you’re on.

09/23/2026

Opening doors is easy. Getting a real estate license is easy. What is not easy is actually knowing what you are doing once you are inside that door.

Here is something most buyers never think about: 87 percent of people hire the first agent they talk to and almost never ask the questions that actually matter. The questions that would legally protect them.

Contracts get written wrong all the time. And here is the scary part: as a consumer you often have no idea something is written incorrectly in a way that could affect you legally. That is why experience matters. Not just enthusiasm. Not just a license. Experience.

You need to know how many homes they have sold. You need to know what their process looks like from contract to close. A great mentor can help a newer agent navigate those gaps but experience genuinely matters for a transaction as significant as a home purchase.

And for veterans and military families specifically: just because an agent is a veteran does not mean they have experience with VA loans. They may understand the terminology and the culture of military life and that has real value. But that is different from having the experience of actually closing VA transactions and knowing what to do when something goes sideways in one.

Ask specifically: how many VA loans have you sold? What does your experience with VA loans look like from contract to close?

We are going to do a full series on what questions to ask. But start there.

Reach out anytime.

09/23/2026

Four different housing markets are running at once: cash buyers, financed buyers, locked-in owners, and builders. Each one plays by its own rules, and the right move for one is exactly the wrong move for another.

Let's figure out which one you're actually in and build your next move from there.

Today’s housing market splits into four distinct types. You’ve got cash buyers, buyers financing a purchase, owners who feel locked into a low rate, and builders with homes to sell.

09/23/2026

Can you have two VA loans at the same time?

Potentially, yes.

If you used VA on a previous home and still own it, you may have remaining entitlement available to use toward another VA purchase.

This comes up all the time with military families who PCS and decide to keep their previous home.

The better question isn't, “Can I only use VA once?”

It's, “How much entitlement do I have available?”

Follow VA Loan Boss for VA home loan education without the myths or BS.

𝗪𝗮𝘁𝗰𝗵 𝘁𝗵𝗲 𝘃𝗶𝗱𝗲𝗼 𝗵𝗲𝗿𝗲: https://youtube.com/shorts/ChLqoJArQTY

09/23/2026

Mortgage Myths Busted. And this one is one of the biggest.

No matter what Rocket Mortgage tells you there is no such thing as a push-button get-a-mortgage. It does not work that way. What those platforms give you in seconds is a pre-qualification letter based on basic data you typed in yourself. That letter really means nothing. There is a significant difference between being pre-qualified and being truly pre-approved where someone has actually vetted your income, your credit, your assets, and your full financial picture.

And here is the other trap. You are on Zillow, you fall in love with a house, and you call the little agent face attached to that listing. That person paid for that marketing placement. They may have never sold a house. They may have no idea how to guide you through a VA loan. That is not the right starting point.

Here is something else most buyers miss. Online mortgage calculators almost never include property taxes, homeowners insurance, or HOA fees. So that $400,000 house that looks affordable in the calculator? In a place like El Paso with our property tax rate the real payment is probably based on something closer to $280,000 in buying power once all the actual costs are factored in.

Know your real numbers before you fall in love with a house. Get properly pre-approved by someone who actually knows how to read your full picture.

Reach out anytime.

09/22/2026

Is the VA loan limit $832,750 in 2026?

No.

$832,750 is the baseline conforming loan limit in most of the country. It is not the maximum VA loan amount for a Veteran with full entitlement.

If you have full VA entitlement, there is no VA-imposed loan limit.

County conforming limits become important when a Veteran has remaining entitlement and we're determining how much may be available without a down payment.

Follow VA Loan Boss if you want the VA benefit explained in plain English.

𝗪𝗮𝘁𝗰𝗵 𝘁𝗵𝗲 𝘃𝗶𝗱𝗲𝗼 𝗵𝗲𝗿𝗲:https://www.youtube.com/shorts/cIivW_A42ZU

09/21/2026

How do military and veteran families choose the right VA lender and the right real estate agent? It starts with the questions you ask.

Start with experience. If an agent has not sold any homes in the last year that is not automatically a dealbreaker but it does lead to the next question. Who is their mentor? Who is behind them on every deal? A newer agent with an experienced mentor guiding every transaction can absolutely be the right choice. What you want to avoid is an agent who is essentially on their own with no support structure, no training, and nobody to call when something gets complicated.

The national brands you know you can generally trust because they have training programs built in. But if you have never heard of the brokerage and you cannot find much about them that is a signal to dig deeper and ask more questions.

Here is the real issue with how most veterans find agents and lenders. You are often seeing the ones who have the marketing budget to get in front of you. That does not mean they are the right fit. It means they spend money on advertising. That is not the same as advocacy and it is not the same as expertise.

Ask the hard questions. How many VA transactions have they closed? What do they know about how VA loans actually work? Who is behind them if something goes sideways?

The veteran community deserves better than the loudest voice in the room. Ask for experience.

Reach out anytime if you have questions about finding the right team for your VA home purchase.

09/21/2026

You can't control where mortgage rates go, but you can control your credit, your loan, and the kind of home you buy. Working with a trusted lender can help you lock in the best rate you qualify for. And when you’re ready to make a move that fits your budget, let’s connect.

If you're trying to buy a home, affordability is probably what keeps you up at night.