Congrats on paying off your loan, Nancy, and thanks for your service. You certainly can use your VA benefit again once the first loan is paid off. It's called "subsequent use" and is common. If you have a VA related disability, there is no VA funding fee added to the loan, but if you don't, the subsequent use funding fee can be substantial, as much as 3.3% of the loan size. If you qualify for a conventional loan, and have a 10% plus down payment, it may be in your best interest to do a conventional loan. If you have no down payment, and (especially) if you are funding fee exempt, VA is definitely the way to go. Hope this helps, I lend nationally glad to answer any further questions.