{"id":9246,"date":"2025-01-27T19:48:16","date_gmt":"2025-01-27T19:48:16","guid":{"rendered":"https:\/\/intelliloan.com\/insights\/?p=9246"},"modified":"2025-02-18T19:02:40","modified_gmt":"2025-02-18T19:02:40","slug":"va-loans-how-much-can-you-borrow","status":"publish","type":"post","link":"https:\/\/intelliloan.com\/insights\/va-loans-how-much-can-you-borrow\/","title":{"rendered":"VA Loans: How Much Can You Borrow?"},"content":{"rendered":"\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\"VA\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Great news for veterans: Most VA loans now have no maximum limit! Here’s what you need to know about your borrowing power with a VA loan.<\/span><\/p>\n

\u00a0<\/h3>\n

The Basics: No Limits for Most Veterans<\/strong><\/span><\/h3>\n

If you have full VA entitlement, there’s no cap on your loan amount. You can borrow what you qualify for based on your income and credit – no down payment needed!<\/span><\/p>\n

\u00a0<\/p>\n

Do You Have Full Entitlement?<\/strong><\/span><\/h3>\n

You likely do if:<\/span><\/p>\n

    \n
  • You’ve never used a VA loan before<\/span><\/li>\n
  • You’ve paid off your previous VA loan and sold that home<\/span><\/li>\n
  • Another eligible veteran assumed your VA loan<\/span><\/li>\n<\/ul>\n

    \u00a0<\/p>\n

    What Affects Your Borrowing Power?<\/strong><\/span><\/h3>\n

    Even without limits, lenders look at:<\/span><\/p>\n

      \n
    • Your income and monthly debts<\/span><\/li>\n
    • Credit score<\/span><\/li>\n
    • The home’s value<\/span><\/li>\n
    • Your VA entitlement amount<\/span><\/li>\n<\/ul>\n

      \u00a0<\/p>\n

      Already Used Your VA Loan?<\/strong><\/span><\/h3>\n

      If you’ve used your VA loan before and have partial entitlement:<\/span><\/p>\n

        \n
      • Your limit depends on your county’s loan limits<\/span><\/li>\n
      • You might need a down payment for loans over $144,000<\/span><\/li>\n
      • You can check your county’s limits on the FHFA website<\/span><\/li>\n<\/ul>\n

        \u00a0<\/p>\n

        Why Veterans Love VA Loans<\/strong><\/span><\/h3>\n
          \n
        • No down payment required (with full entitlement)<\/span><\/li>\n
        • Competitive interest rates<\/span><\/li>\n
        • No monthly mortgage insurance<\/span><\/li>\n
        • Flexible credit requirements<\/span><\/li>\n<\/ul>\n

          \u00a0<\/p>\n

          Have Remaining Entitlement?<\/strong> <\/span><\/h3>\n

          Don’t worry! You can:<\/span><\/p>\n

            \n
          • Use it to buy another home<\/span><\/li>\n
          • Restore it by selling your current home<\/span><\/li>\n
          • Have multiple VA loans at once (in some cases)<\/span><\/li>\n<\/ul>\n

            \u00a0<\/strong><\/span><\/p>\n

            Quick Tip: Your loan amount can’t be more than the home’s appraised value, even with full entitlement.<\/strong><\/span><\/p>\n

            \u00a0<\/p>\n

            Next Steps<\/strong> <\/span><\/h3>\n

            Ready to explore your VA loan options? We’ll help you:<\/span><\/p>\n

              \n
            • Check your entitlement status<\/span><\/li>\n
            • Calculate your borrowing power<\/span><\/li>\n
            • Find the loan terms right for you<\/span><\/li>\n
            • Navigate the VA loan process<\/span><\/li>\n<\/ul>\n
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              Call: 833-984-2471<\/strong><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

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              \u00a0<\/p>\n

              Disclosures:<\/p>\n

              Intelliloan, Inc. NMLS ID # 3290. For licensing information, go to: www.nmlsconsumeraccess.org.\u00a0 Intelliloan is located at 500 N. State College Blvd. Suite 1400, Orange, CA 92868.\u00a0 Call toll free at: (888) 417-8562. Loan program restrictions apply.\u00a0 Loan subject to verification, credit approval, and acceptable collateral.\u00a0 This is not a credit decision, an offer, or a commitment to lend. Your rate, fees, and other terms will depend on various factors. By refinancing the consumer\u2019s existing loan, the consumer\u2019s total finance charges may be higher over the life of the loan. Intelliloan, Inc. is a FHA\/VA approved lender and is not acting on behalf of or at the direction of FHA\/VA or the Federal government.\u00a0 Not available in all states.\u00a0\u00a0 All rights reserved. \u00a9 2025. Equal Housing Lender.<\/p>\n

              Licensed, registered or exempt from licensing to conduct business in the following states: Arizona Mortgage Banker license #0907461; Arkansas Combination Mortgage Banker-Broker-Servicer License 116518;\u00a0 licensed by the California DFPI under the Residential Mortgage Lending Act, license number 4130924; Loans made or arranged pursuant to a California Financing Law license #6036970; regulated by the Colorado Department of Regulatory Agencies, Division of Real Estate NMLS#3290; Connecticut Mortgage Lender License #ML-3290; Delaware Lender License #025964; District of Columbia Mortgage Dual Authority License #MLB3290; Florida Mortgage Lender Servicer License #MLD423; Georgia Residential Mortgage Lender Licensee #45919; Idaho Mortgage Broker\/Lender License #MBL-8632; Illinois Residential Mortgage Licensee #MB.6759473 (Regulated by the Illinois Department of Financial and Professional Regulation, Division of Banking, 320 W. Washington Street, Springfield, IL 62786; 217-782-3000); Iowa Mortgage Banker License # 2018-0026; Louisiana Residential Mortgage Lending License;\u00a0 Maine Supervised Lender License #3290;\u00a0 Maryland Mortgage Lender License #3290; Massachusetts Mortgage Broker\/Lender License #MC3290; Michigan 1ST Mortgage Broker\/Lender License #FL0015148 and Michigan 2nd Mortgage Broker\/Lender License #SR0015343; Minnesota Residential Mortgage Originator License #MN-MO-40019736 \u2013 This is not an offer to enter into an agreement. Any such offer may only be made in accordance with Minn. Stat. 47.206(3) & (4);\u00a0 Mississippi Mortgage Lender License #\u00a0 3290; Nevada Mortgage Company License #3759; New Hampshire Mortgage Banker License # 22928-MB; Licensed by the N. J. Department of Banking and Insurance \u2013 New Jersey Residential Mortgage Lender License; New Mexico Mortgage Loan Company License; North Dakota Residential Mortgage Lender License #ML104308; Oklahoma Mortgage Lender License ML011691; Licensed under the Oregon Consumer Finance Act, License #ML-3692; Pennsylvania Mortgage Lender License #40659; Rhode Island Lender License #20183602LL \/ Broker License #20183603LB; South Carolina Mortgage Lender\/Servicer License #MLS \u2013 3290; South Dakota Mortgage Lender License #3290.ML;\u00a0 Tennessee Mortgage License #145872; Texas Mortgage Banker Registration; Utah Mortgage Entity License #10633546; Vermont Lender License #7187; Regulated by the Virginia State Corporation Commission \u2013 Virginia Broker\/Lender License #MC-5718; Washington Consumer Loan Company License #CL-3290; Wisconsin Mortgage Banker License # 3290BA.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

              Great news for veterans: Most VA loans now have no maximum limit! Here’s what you need to know about your borrowing power with a VA loan. \u00a0 The Basics: No Limits for Most Veterans If you have full VA entitlement, there’s no cap on your loan amount. You can borrow what you qualify for based […]<\/p>\n","protected":false},"author":3,"featured_media":9248,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21],"tags":[],"class_list":["post-9246","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-va-loan"],"_links":{"self":[{"href":"https:\/\/intelliloan.com\/insights\/wp-json\/wp\/v2\/posts\/9246","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/intelliloan.com\/insights\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/intelliloan.com\/insights\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/intelliloan.com\/insights\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/intelliloan.com\/insights\/wp-json\/wp\/v2\/comments?post=9246"}],"version-history":[{"count":9,"href":"https:\/\/intelliloan.com\/insights\/wp-json\/wp\/v2\/posts\/9246\/revisions"}],"predecessor-version":[{"id":9256,"href":"https:\/\/intelliloan.com\/insights\/wp-json\/wp\/v2\/posts\/9246\/revisions\/9256"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/intelliloan.com\/insights\/wp-json\/wp\/v2\/media\/9248"}],"wp:attachment":[{"href":"https:\/\/intelliloan.com\/insights\/wp-json\/wp\/v2\/media?parent=9246"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/intelliloan.com\/insights\/wp-json\/wp\/v2\/categories?post=9246"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/intelliloan.com\/insights\/wp-json\/wp\/v2\/tags?post=9246"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}