How do I restore my VA entitlement?
Entitlement is generally restored after the prior VA loan is paid in full and the related home is sold. A one-time restoration may be available after that VA loan is paid in full even if you keep the property. If the loan remains open, I check remaining entitlement instead.
What this actually means.
Common restoration paths include selling the prior home and paying the VA loan in full, having an assumed VA loan paid off, or requesting the one-time restoration after the prior VA loan is paid in full while keeping the property. If the prior loan remains open, it continues to use entitlement and I calculate what remains before discussing another purchase. VA Form 26-1880 may be used to request a new COE or restoration. Subject to VA guidelines.
Where this can move.
WebLGY automatic eligibility, manual processing for Guard/Reserve and surviving spouses, and entitlement-restoration timing can change the COE result.
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More VA questions on COE.
Educational only. VA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review. Mortgage Expert, Inc. is not affiliated with the VA, HUD, or any government agency.