If you have served in the military or if your spouse has, you have access to one of the most powerful homebuying tools available. It is the ability to purchase a home with no down payment required.

Yet most Veterans never use it.

Veterans United reports that 70 percent of Veterans do not realize they are eligible for a zero down payment home loan. That means seven out of ten service members could be buying a home sooner and with far less financial stress. As real estate experts who proudly support military families, we want to make sure the people who earned this benefit know how to use it.

Why VA Home Loans Are a Standout Option

For nearly 80 years, VA home loans have helped millions of Veterans and active duty service members achieve homeownership. These loans exist to honor your service by making it easier and more affordable to buy a home.

Here are the biggest advantages, according to the Department of Veterans Affairs:

Zero Down Payment Options
Most Veterans do not need to save tens of thousands of dollars to buy. This removes one of the biggest barriers to homeownership.

Lower Upfront Costs
The VA limits which closing costs a Veteran is allowed to pay. This means more money stays in your pocket during the homebuying process.

No Private Mortgage Insurance (PMI)
Most loan programs require PMI if you put less than twenty percent down. VA loans never require PMI. This can save hundreds of dollars per month.

These benefits help Veterans build stability, keep more of their cash, and begin growing long term wealth through real estate.

Can You Still Get a VA Loan During a Government Shutdown?

Recently there has been confusion about whether VA loans are still available during the government shutdown. Some Veterans have delayed their plans because they are unsure if the process is still moving forward.

Here is what Veterans United says:

“The shutdown has minimal impacts on VA lending. Lenders are still able to order appraisals, obtain a borrower’s Certificate of Eligibility, submit the VA Funding Fee and more. Veterans are still able to use their home loan benefit to buy a home or refinance.”

In other words, yes, VA loans are still available. There may be occasional processing delays, but the program is fully operational.

Why Your Agent and Lender Matter

Having access to a VA loan is one thing. Getting the most out of it requires the right representation.

As VA News explains:

“Choosing a military friendly broker or agent who understands the VA home loan application process can make all the difference.”

A knowledgeable agent will make sure the home you choose meets VA property guidelines. An experienced lender will walk you through the paperwork and help secure your Certificate of Eligibility. When both work together, the result is a smooth, stress free path to closing.

At The Svelling Group, supporting Veterans is not a sales pitch. It is a privilege. We are committed to helping service members use every advantage they have earned.

Final Thoughts

If you are a Veteran, your VA home loan benefit is one of the most valuable financial tools available to you. Zero down payment. Reduced closing costs. No PMI. These are meaningful savings that help you build wealth through homeownership.

If you would like to know whether you qualify or how much home you can buy using your VA benefit, we are here to help. We work closely with trusted VA lenders who specialize in this program and know how to move your loan from pre approval to closing.

Ready to explore your options?
Reach out today and we will connect you with a VA lender who can get you pre approved and guide you through the next steps.

Your service earned this benefit. We are here to help you use it with confidence.