Can I use my VA Benefits to purchase a vacation home?

Real Estate Agent with Laura Filip Broker , Opening doors for All Seasons of Life TREC # 0488771
U.S. Army, U.S. Marine Corps, U.S. Navy, U.S. Air Force, U.S. Coast Guard, National Guard
More VA Purchase Loans
Thank you for your Service.
When considering the purchase of a house to make a home using your Veterans Benefits can be a great choice.
Can you use your VA loan benefits to purchase a second home or vacation home? The answer to this is no you can not.
VA Loan program use must be  for a primary home.

Veterans Administration will help Service members, Veterans, and  those that are considered eligible surviving spouses become homeowners.

As part of their mission to serve , they provide a home loan guaranty benefit and other housing-related programs to help Veterans buy, build, repair, retain, or adapt a home for their own personal use and occupancy.

 The VA Home Loan programs are provided by private independent  lenders, such as one of the local banks, you can reach out the them and ask what VA loan programs they offer you and mortgage companies as well that are ready to help you find the perfect program that will work best for you. VA guarantees a portion of the loan for your house to make a home, enabling the lender to provide you with more desirable terms.

Here are a few of the programs that are available for you to use

Purchase Loans and Cash-Out Refinance:

Interest Rate Reduction Refinance Loan

Native American Direct Loan (NADL) Program

Adapted Housing Grants

You can visit the Government web site at

For more information or give us a call we are here to help you find the perfect house to make a home.

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Can I use my VA Benefits to purchase a vacation home? 

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Comments (16)

Laura Cerrano
Feng Shui Manhattan Long Island - Locust Valley, NY
Certified Feng Shui Expert, Speaker & Researcher

You're going to makes people's lives a lot easier with this information around what they can do with what they have and that's what it's all about. Right?

Jun 08, 2017 11:29 PM
Laura Filip
Laura Filip Broker , Opening doors for All Seasons of Life - Whitesboro, TX
What can we do for you today?

Thank you Laura , the VA loan programs can be a great resource for those that have Served . Have a blessed night 

Jun 09, 2017 12:37 AM
Kat Palmiotti
406-270-3667,, Broker/REALTOR® - Kalispell, MT
Helping your Montana dreams take root

When I saw the subject line, I thought, "Wow, they can?"  That would have surprised me because I thought these loans were just for a primary home. And I see you corroborated my original thinking. Thanks!

Jun 09, 2017 03:23 AM
Laura Filip

Kat Palmiotti Good afternoon to you Ma'am you are correct, VA benefits for a home loan can not be used for a second home or vacation home. 

Jun 09, 2017 10:09 AM
Mike Frazier
Carousel Realty of Dyer County - Dyersburg, TN
Northwest Tennessee Realtor

I have used my VA loan benefit once and did not think it would work for vacation homes. thanks for the information.

Jun 09, 2017 08:11 AM
Laura Filip

Mike Frazier Thank you for your Service Sir. You are correct you can not use your VA benefits for a vacation home or second home. 

Jun 09, 2017 10:08 AM
Frank Rubi
Frank Rubi Real Estate, LLC - Metairie, LA

Laura, Thank You for taking the time to offer information to all our Veterans. I have used my VA benefit for a personal home. I highly recommend to all to use it. I agree that you can not use for a vacation home. 

Jun 09, 2017 04:23 PM
Laura Filip

Frank Rubi Thank you for stopping by our video blog today. You are correct a Veteran can not use his or her benefits via a home loan for a second or vacation home. 

Jun 09, 2017 04:38 PM
Lou Ludwig
Ludwig & Associates - Boca Raton, FL
Designations Earned CRB, CRS, CIPS, GRI, SRES, TRC


Thank you for sharing the information on VA benefits.

Good luck and success.

Lou Ludwig

Jun 09, 2017 07:34 PM
Lou Ludwig
Ludwig & Associates - Boca Raton, FL
Designations Earned CRB, CRS, CIPS, GRI, SRES, TRC


Congratulations on the feature for an outstanding post.

Good luck and success.

Lou Ludwig

Jun 09, 2017 07:44 PM
John Wiley
Fort Myers, FL
Lee County, FL, ECO Broker, GRI, SRES,GREEN,PSA

I just attended a CE class on VA loans. Your point was hammered away several times. It must be for the purchase of an home the buyer will occupy.


Jun 10, 2017 06:49 AM
Laura Filip
Laura Filip Broker , Opening doors for All Seasons of Life - Whitesboro, TX
What can we do for you today?

John Wiley thank you for stopping by to say hello. Hammered away very interesting thought Boom love to work with Those that have served and their families. Have a blessed day. 

Jun 10, 2017 06:59 AM
Maggie Dokic | Miami, FL | 888.883.8509 X101
eXp Realty LLC - Miami, FL
GREEN, CDPE, SFR, Pinecrest | Palmetto Bay |

Laura this is good info for your military home buyers. Thanks for posting.


Jun 10, 2017 07:23 AM
Melissa Spittel
Coldwell Banker Residential Brokerage - Westminster, MD
"Achieving Results Together "

VA buyers (especially first-time buyers) need our knowledge and expertise. I find they don't typically understand the terms of a VA loan, and the required parameters of eligible homes. 

Jun 10, 2017 06:41 PM
Laura Filip
Laura Filip Broker , Opening doors for All Seasons of Life - Whitesboro, TX
What can we do for you today?

Yes Ma'am, working with an agent who understands what to look for in house is important.

Jun 10, 2017 07:07 PM
Kimo Jarrett
Cyber Properties - Huntington Beach, CA
Pro Lifestyle Solutions

Invaluable information for veterans and agents who are not knowledgeable about VA real estate questions. 

Jun 11, 2017 12:55 AM
Nathan Gesner
American West Realty and Management - Cody, WY
Broker / Property Manager

I hear veterans on investment boards asking if they can use their VA loan to purchase a long-term rental property. The purpose of the VA loan is to help veterans get into a home, not build a rental business.

Jun 11, 2017 05:28 AM
Laura Filip

Nathan Gesner  you are correct. It is to help them get into a primary residence. 

Jun 11, 2017 09:26 AM
Dorte Engel
RE/MAX Leading Edge - Bowie, MD
ABC - Annapolis, Bowie, Crofton & rest of Maryland

Dear Laura,

VA has to draw the line somewhere. This is a pretty nifty loan program for those, who deserve it. It is not meant to be a cheapo way for people to flip homes by calling them second homes or some such thing.

Jun 15, 2017 09:09 PM
Jan Green - Scottsdale, AZ
Value Added Service, 602-620-2699 - Scottsdale, AZ
HomeSmart Elite Group, REALTOR®, EcoBroker, GREEN

Great post!  I figured the answer was no.  I just helped a veteran.  I don't get very many of them as I'm on the opposite end of town as Luke AFB.  Good for you for serving them!

Jun 20, 2017 06:36 PM