Basic vs bonus VA entitlement, remaining entitlement, and second-home scenarios. The 2 Mortgage Guys at Luminate Bank, lending nationwide.
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VA Loans
Entitlement
Entitlement is the VA’s guaranty behind your loan — not a cash grant. Full, partial, and bonus entitlement decide whether you can buy with $0 down and how large the loan can be.
Your COE and prior loan history place you in one of these buckets.
Keeping a VA loan on a prior home — or not restoring after a sale — can shrink remaining guaranty. That is when $0 down may no longer cover the full purchase.
Entitlement is only one line on a VA pre-approval.
Same VA benefit — different cash and loan-size outcomes.
Related guides to help you compare options and move toward pre-approval.
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Ryan & Steve will pull your COE, explain remaining guaranty, and pre-approve you with a clear max purchase and cash-to-close picture.