VA LOAN CAPTAIN BLOG & Learning Center

What can I use a VA Loan for?

By: Grant Moon 07/27/12 06:09 am

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There are a variety of uses that the VA Loan can be used for which can satisfy the needs of most. It is important to note that the Veterans Affairs (VA) has an owner occupancy requirement therefore any of the below options must be occupied by the beneficiary. All homes other than a home that is manufactured require the structure be in move in condition. You have the option to make short sale purchases with your VA Loan however foreclosures purchases are considered “as is” and normally can’t be purchased using your VA Loan entitlement. The below uses are eligible under the VA Home Loan Benefit:

Single Family House

A single family home is usually a detached structure and consists of just one dwelling unit.


A multi-family home is a home that has more than one unit. These are also known as duplex (2-units), Triplex (3 units), or quads (4-units). The VA Loan can be used to purchase up to a 4 unit complex.

Condominium or Co-op

The VA allows for purchase of a condominium or co-op in approved VA building. You can request a condo report by the VA here.

Manufactured Home

The VA allows for purchase of a qualifying manufactured home and lot. For more information about VA Loan usage for manufactured homes click here.

Energy Efficient Improvements

You can use your VA Loan to make energy efficient improvements to your home for up to $6,000 using your VA Loan.


VA Loan Captain, Inc. is a Service Disabled Veteran Owned Small Business (SDVOSB) that assists veterans and servicemembers purchase or refinance a home at a competitive interest rate with their network of VA Approved Lenders. As a company with a social mission $200 is provided to a veteran focused charity for every loan closed.

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VA Loan Captain, Inc. is a service disabled veteran owned small business registered in the state of New Jersey.® is a diversified housing, benefits, education, and services platform assisting current and former servicemembers to receive the information, value, and services that they deserve.® has partnerships with veteran focused non-profits and charities that provide services to veterans but is not affiliated with the VA or any government agency.

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