3 Surprising Things You Can Do with a VA Loan in Wisconsin
Most veterans know that VA loans come with major perks - no down payment, no PMI, and flexible credit requirements. But there's more to this benefit than most people realize.
Whether you're buying in Milwaukee, Waukesha, or anywhere in Southeast Wisconsin, here are three powerful (and often overlooked) ways to use your VA loan in 2025.
1️⃣ Buy a Multi-Unit Property - And Live in One
Yes, you can use a VA loan to purchase a 2 - 4 unit property as long as you plan to live in one of the units.
That means:
- You build equity while your tenants help cover your mortgage
- You avoid PMI and the need for a huge down payment
- You gain landlord experience without needing investor status
This is a game-changer for veterans who want to start house-hacking or create long-term wealth.
2️⃣ Use a VA Loan More Than Once
Many people think VA loans are a one-time benefit - but that's not true. You can use your VA loan benefit multiple times, even if you've used it before and paid it off.
✅ You can also restore your entitlement if you've sold your previous VA-financed home or paid the loan in full.
So yes - you can use your VA loan for your first home and your next.
3️⃣ Refinance Without Appraisals or Income Checks
Already have a VA loan? You may qualify for a VA IRRRL (Interest Rate Reduction Refinance Loan) - also called a VA streamline refi.
✔️ No appraisal required
✔️ No income documentation needed
✔️ Fast closings - perfect when rates drop or to lower your monthly payment
This is one of the easiest ways to reduce your monthly costs if your rate is above market.
📍 Local Bonus Tip for Milwaukee & Waukesha Buyers
VA loan limits have been removed in 2025 for buyers with full entitlement, meaning eligible veterans can borrow up to the local market value without a down payment.
In areas like Brookfield, Oconomowoc, and Waukesha County, that opens the door to homes that may have once been out of reach.
✅ Ready to Maximize Your VA Loan Benefits?
Whether you're buying your first home, upgrading, or refinancing, I can help you unlock the full potential of your VA eligibility.
📞 Let's talk through your options:
👉 https://calendly.com/adam-zeman/30min
📩 Email: azeman@uhm.com
📱 Text/Call: 414-975-2654
Proud to serve those who've served - and help you make the most of every benefit.