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Service to Keys checklist

Questions to ask a lender

Bottom line

Ask each lender the same questions and compare their answers. This is not a government website.

Last reviewed October 29, 2026 against the primary sources listed below.

Eligibility

Use the entitlement explainer with the lender's answers.

Entitlement explainerAnswer two questions about your VA loan history to see whether you likely have full or remaining entitlement, with optional remaining-entitlement math.
How the VA home loan benefit works: guarantee, lender and veteranHow the VA home loan guarantee works, who makes the loan, whether a down payment is needed, how long approval takes and what can disqualify a buyer.
VA entitlement explained: full vs remaining entitlementHow VA home loan entitlement works, the difference between full and remaining entitlement, and how county loan limits apply when entitlement is partly used.
Using your VA home loan benefit again: restoration and second useHow many times you can use your VA entitlement, how restoration works, and options when you still own a home bought with a VA loan.