You may be able to restore an entitlement you used in the past to buy another home with a VA Native American Direct Loan or VA-backed loan if you meet at least one of these requirements and continue to meet the eligibility requirements listed on this page.At least one of these must be true:You’ve sold the home you bought with the prior loan and have paid that loan in full, orA qualified Veteran-transferee agrees to assume your loan and substitute their entitlement for the same amount of entitlement you used originally, orYou’ve repaid your prior loan in full, but haven’t sold the home you bought with that loan (you can only do this once)You can request a COE with an entitlement restoration online. You can also ask your lender to submit an online application for you, or you can fill out a Request for a Certificate of Eligibility (VA Form 26-1880) and send it to the VA address listed on the form.If you don't meet at least one of the requirements to restore the entitlement you used in the past, you may still have remaining entitlement to buy or refinance another home with a VA Native American Direct Loan or VA-backed loan., VA Home Loans are provided by private lenders, such as banks and mortgage companies. VA guarantees a portion of the loan, enabling the lender to provide you with more favorable terms., Learn about VA home loan eligibility requirements for a VA direct loan (Native American Direct Loan) or a VA-backed loan. Find out how to request a Certificate of Eligibility (COE) to show your lender that you qualify based on your service history and duty status. To get financing for a VA-backed home loan, you must meet credit, income, and occupancy requirements from both the VA and your lender..