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What is a Second VA Loan?

A Second VA Loan is a mortgage loan program for eligible Veterans and Military Personnel who already have an existing VA loan. The program allows you to take out a second VA loan to purchase another home or refinance your existing home loan. This is a great option for those who want to buy a new home but do not want to sell their current home or those who want to refinance their existing loan.

Benefits of a Second VA Loan

One of the main benefits of a Second VA Loan is that it allows you to use your home equity to buy a new home or refinance your existing loan. This means that you can use the equity in your home as collateral for a new loan, which can help you get a better interest rate and lower your monthly payments. Another benefit of a Second VA Loan is that there is no limit to the amount of times you can use the program. You can use it to purchase multiple homes or to refinance each time the rates go down. Additionally, you do not have to pay a down payment or private mortgage insurance (PMI) on a second VA loan, which can save you thousands of dollars.

Requirements for a Second VA Loan

There are certain requirements that you must meet in order to qualify for a Second VA Loan. First, you must be an eligible Veteran or Military Personnel who already has an existing VA loan. Second, you must have enough eligibility remaining to cover the second loan. Third, you must meet the lender’s credit and income requirements. Finally, the property you are purchasing or refinancing must meet certain guidelines set by the VA.

How to Apply for a Second VA Loan

If you meet the requirements for a Second VA Loan, you can apply for the program by contacting a VA-approved lender. The lender will review your application and determine whether you are eligible. If you are approved for the program, the lender will work with you to determine the property value and loan amount. Once the loan is approved, you will need to sign the loan documents and complete the closing process.


A Second VA Loan is a great option for eligible Veterans and Military Personnel who want to purchase another home or refinance their existing loan. The program offers many benefits, such as using your home equity as collateral, no down payment or PMI, and the ability to use the program multiple times. If you are interested in a Second VA Loan, contact a VA-approved lender to learn more about your options.

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Representative Example
APR, Total Loan Costs & All Applicable Fees

Loan Amount $1,000 $2,000 $5,000 $10,000
Interest Rate 24% 19% 13% 8%
Loan Term 12 Months 24 Months 48 Months 60 Months
Fee 3% 5% 8% 10%
Fee Cost $30 $100 $400 $1,000
Repayment $94.56 $100.82 $131.67 $202.28
APR 29.82% 24.12% 18.23% 9.20%
Total Payments $1,134.72 $2,419.68 $6,320.12 $12,136.80
Total Costs $164.72 $519.68 $1,720.12 $3,136.80

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