Veterans United Overcharged the VA and I Want My Eligibility Back


Dear Steve,

I purchased a house using my VA. The VA appraiser appraised what wasn’t there.

However I after moving in found out it required over $30,000 in permits, plans, and work to be livable, without penalties or fines.

I asked Veterans United what to do; they told me to deed in lieu. The paperwork showed I would owe nothing, yet they made a $40,000 claim against my eligibility.

They found Veterans United ( Mr. Cooper had overcharged VA $11,500, in which after a year, credited, however, won’t credit, the rest. So I have no VA eligibility. No one from VA will help.

How do I get my eligibility back?



Dear Ervin,

I have no idea what the exact scenario of your specific situation is other than what you allege.

Research has informed me that you can request a “one-time restoration” of entitlement to purchase another home.

And as with everything else with the government, there is a form for that.

This presentation from the VA led me to the form 26-1880. The VA presentation says you are entitled to a restoration of benefits by following the process below.

You can find the current copy of the Department of Veterans Affairs Request for a Certificate of Eligibility Form 26-1880.

According to Military Times, “Beneficiaries can reclaim their entitlement once if they’ve paid off the VA-backed loan, even if they do not sell the property. After using this option, future VA loans must come with the disposal of any property financed via VA-backed loans. The borrower also must continue to meet VA loan requirements, including residency rules; in other words, you’ll need to be a full-time resident of the new home.”

Since you stated there was no ongoing mortgage claim and the previous loan was showing as satisfied, this solution seems to be a reasonable step to take.


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3 thoughts on “Veterans United Overcharged the VA and I Want My Eligibility Back”

  1. This was a very interesting presentation on a problem that can afflict other Veterans…

    I only wish that the Poster could have provided more details on the appraisal process that put him in the predicament that he shared…


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