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• VA loan benefits may be used many times. Although there is a limit to the borrower's entitlement - which is the amount the VA will guarantee. If the borrower exceeds their entitlement, they may have to make a down payment. 
• VA home loan benefits will not expire if they are not used. 
• You can have two or more VA loans at the same time as long as you have not exceeded your entitlement and eligibility. You must be able to afford both (all) mortgage payments and sufficient entitlement is required. Else, a down payment is required. 
• A borrower with a short sale or foreclosure on a VA loan can have another VA loan, but the maximum amount they can qualify for may be less.

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