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Can I take out a "second" mortgage loan through another lender behind my CalVet loan?

Yes, with the Department's permission. You and your lender will be required to complete a Consent to Encumber form. To request a copy of the form be mailed to you, call us at 866-421-6978, or you may print the Consent to Encumber form under Forms and Information.

Consent to Encumber or Improve
Home Loans FAQ

Can I take out a "second" mortgage loan through another lender behind my CalVet loan?