Getting around VA loan entitlement

[Michael Nichols]

Currently, I live in a home where I used my VA loan. I have 310k left in entitlement, but the house and land we want to build on would cost between 400-500k. What are some creative ways people have gotten around this? I am trying to find the best way to spend the least out of pocket.

What I have heard so far:

Refinance current home to regain entitlement (90-120 days)

Try to close on old home and new home within same day/week. (This would require more money out of pocket)

Cash out refinance to regain entitlement (90-120 days)

I look forward to hearing some creative approaches!

Thank you!