{"id":336,"date":"2025-11-10T16:00:15","date_gmt":"2025-11-10T22:00:15","guid":{"rendered":"https:\/\/twilabertrand.sites.c21.homes\/?p=336"},"modified":"2025-11-10T16:00:15","modified_gmt":"2025-11-10T22:00:15","slug":"the-va-home-loan-advantage-what-every-veteran-should-know-right-now","status":"publish","type":"post","link":"https:\/\/twilabertrand.sites.c21.homes\/?p=336","title":{"rendered":"The VA Home Loan Advantage: What Every Veteran Should Know Right Now"},"content":{"rendered":"<div>\n<div class=\"pt-8 px-8\">\n<h2 class=\"profile-color-text text-3xl\">The VA Home Loan Advantage: What Every Veteran Should Know Right Now<\/h2>\n<div class=\"mt-6 text-base-content flex items-center flex-wrap gap-x-4 gap-y-2\"><span class=\"flex items-center flex-wrap gap-1\"><time class=\"text-base-content\" datetime=\"2025-11-10T11:30:00Z\">Monday November 10th, 2025<\/time><\/span><\/div>\n<div>Article from Keeping Current Matters<\/div>\n<div><\/div>\n<div class=\"mt-6 text-base-content flex items-center flex-wrap gap-x-4 gap-y-2\"><span class=\"flex items-center flex-wrap gap-1\"><a class=\"text-base-content\" href=\"https:\/\/www.simplifyingthemarket.com\/en\/category\/buyers\/?a=1000025117-654188f2b9e9f721433bea74f0bf3424\">For Buyers,<\/a><a class=\"text-base-content\" href=\"https:\/\/www.simplifyingthemarket.com\/en\/category\/buying-tips\/?a=1000025117-654188f2b9e9f721433bea74f0bf3424\">Buying Tips<\/a><\/span><\/div>\n<\/div>\n<\/div>\n<div class=\"p-6 px-8\">\n<div class=\"grid grid-cols-3 sm:flex gap-1 flex-wrap w-fit sm:w-full my-4\"><\/div>\n<div class=\"mt-6 flex flex-col gap-4 mb-8\">\n<div class=\"mb-2\">\n<p>If you\u2019ve served in the military (or if your spouse has), you have access to one of the most powerful homebuying tools out there. The chance to buy a home without having a down payment.<\/p>\n<p>Unfortunately,\u00a0<strong>70% of Veterans (that&#8217;s 7 out of every 10)\u00a0<\/strong>don\u2019t know about this benefit, according to\u00a0<em>Veterans United.<\/em><\/p>\n<p><a href=\"https:\/\/files.keepingcurrentmatters.com\/KeepingCurrentMatters\/content\/images\/20251105\/20251110-The-Majority-of-Veterans-Don-t-Know-About-a-Key-VA-Loan-Benefit-original.png\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" src=\"https:\/\/files.keepingcurrentmatters.com\/KeepingCurrentMatters\/content\/images\/20251105\/20251110-The-Majority-of-Veterans-Don-t-Know-About-a-Key-VA-Loan-Benefit-original.png\" alt=\"a group of people in circles\" \/><\/a>And that\u2019s a big missed opportunity for those who\u2019ve earned this benefit through service. So, let\u2019s break down what you really\u00a0<a href=\"https:\/\/www.benefits.va.gov\/HOMELOANS\/documents\/docs\/VA_Buyers_Guide.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">need to know<\/a>\u00a0about\u00a0<strong>Veterans Affairs (VA) home loans<\/strong>\u00a0right now.<\/p>\n<h4><strong>Why VA Home Loans Can Be a Great Option<\/strong><\/h4>\n<p>For nearly 80 years, VA loans have made homeownership possible for millions of Veterans and active-duty service members. Here are just a few of the\u00a0<a href=\"https:\/\/www.va.gov\/housing-assistance\/home-loans\/loan-types\/purchase-loan\/\" target=\"_blank\" rel=\"noopener noreferrer\">top perks<\/a>\u00a0according to the\u00a0<em>Department of Veteran Affairs<\/em>:<\/p>\n<ul>\n<li><strong>Options for $0 Down Payment:<\/strong>\u00a0Many Veterans can buy a home without spending years saving up.<\/li>\n<li><strong>Fewer Upfront Costs:<\/strong>\u00a0The VA limits which types of closing costs Veterans have to pay, helping you keep more cash on hand when you\u2019re finalizing your purchase.<\/li>\n<li><strong>No Private Mortgage Insurance (PMI):<\/strong>\u00a0Unlike many other loan types, VA loans don\u2019t require PMI, lowering your monthly costs.<\/li>\n<\/ul>\n<p>These features make VA loans a great way for service members (or their family) to build stability, save money, and start creating long-term wealth through homeownership.<\/p>\n<h4><strong>Can You Still Get a VA Loan with the Government Shutdown?<\/strong><\/h4>\n<p>But lately, there\u2019s been some confusion about whether VA loans are still available due to the government shutdown. And that uncertainty has kept some Veterans from taking the next step.<\/p>\n<p>While there may be processing delays,\u00a0<em>Veterans United\u00a0<\/em>explains you can still get a loan:<\/p>\n<blockquote><p><em>\u201cThere\u2019s been a lot of confusion and uncertainty about how a government shutdown will affect VA home loans . . . The good news is that the shutdown has minimal impacts on VA lending. Lenders are still able to order appraisals, obtain a borrower\u2019s Certificate of Eligibility, submit the VA Funding Fee and more. In short, Veterans are still able to use their home loan benefit to buy a home or refinance an existing mortgage.\u201d<\/em><\/p><\/blockquote>\n<p>So, despite the headlines, you can still use your VA home loan benefits today. The process is ready when you are. It just may take more time to go through.<\/p>\n<h4><strong>Why the Right Agent and Lender Matter<\/strong><\/h4>\n<p>Just remember, using your VA home loan is easier (and smoother) when you have the right team behind you. As\u00a0<em>VA News<\/em>\u00a0puts it:<\/p>\n<blockquote><p><em>\u201cChoosing a military-friendly broker or agent who understands the VA home loan application process can make all the difference in the homebuying experience. Finding the right agency or brokerage is just as important as locking in a good VA mortgage lender. Communication is key to getting to the loan closing table.\u201d<\/em><\/p><\/blockquote>\n<p>A knowledgeable agent and an experienced lender can help you navigate every step, all the way from qualifying to closing. With their help, you can make sure you\u2019re getting the most out of your benefits.<\/p>\n<\/div>\n<div>\n<h3 class=\"text-xl mb-2\">Bottom Line<\/h3>\n<p>If you\u2019re a Veteran, a VA home loan is one of the most valuable benefits you\u2019ve earned through your service. It offers options for\u00a0<strong>no down payment, limited closing costs, and more.<\/strong><\/p>\n<p>Want to learn more? Talk to a lender so you can take full advantage of the benefits you\u2019ve earned.<\/p>\n<p>Click the link below for my Zillow website with many of my client testimonials:<\/p>\n<p><a href=\"https:\/\/www.zillow.com\/profile\/Twila%20Bertrand\">https:\/\/www.zillow.com\/profile\/Twila%20Bertrand<\/a><\/p>\n<p data-start=\"157\" data-end=\"447\"><strong data-start=\"157\" data-end=\"188\">\ud83d\udcbc Twila Bertrand, REALTOR\u00ae<\/strong><br data-start=\"188\" data-end=\"191\" \/>Your Trusted Real Estate Expert in <strong data-start=\"226\" data-end=\"243\">Lufkin, Texas<\/strong> \ud83c\udfe1<br data-start=\"246\" data-end=\"249\" \/>Helping families buy and sell homes across <strong data-start=\"292\" data-end=\"343\">Lufkin, Diboll, Huntington, Nacogdoches and all over Angelina County<\/strong>.<\/p>\n<p data-start=\"157\" data-end=\"447\"><br data-start=\"344\" data-end=\"347\" \/>\u2728 Known for Christian faith, integrity, local expertise, and a passion for helping clients find their perfect home.<\/p>\n<p data-start=\"449\" data-end=\"565\">\ud83d\udcde <strong data-start=\"452\" data-end=\"469\">Call or Text:<\/strong> 936-208-7631<br data-start=\"489\" data-end=\"492\" \/>\ud83d\udce7 <strong data-start=\"495\" data-end=\"505\">Email:<\/strong> twilabertrand@gmail.com<br data-start=\"526\" data-end=\"529\" \/>\ud83c\udf10 <strong data-start=\"532\" data-end=\"544\">Website:<\/strong>\u00a0<a href=\"https:\/\/twilabertrand.sites.c21.homes\/\">https:\/\/twilabertrand.sites.c21.homes\/<\/a><\/p>\n<p data-start=\"567\" data-end=\"817\">\ud83d\udd0d <em data-start=\"570\" data-end=\"618\">Looking for the <strong data-start=\"587\" data-end=\"616\">Best Realtor in Lufkin TX<\/strong>?<\/em>Choose <strong data-start=\"628\" data-end=\"646\">Twila Bertrand<\/strong>, your <strong data-start=\"653\" data-end=\"687\">local real estate professional<\/strong> committed to excellence and faith-driven service in East Texas!<br data-start=\"737\" data-end=\"740\" \/>#BestRealtorInLufkin #LufkinRealEstateAgent #TexasHomes #LufkinTXRealEstate<\/p>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>The VA Home Loan Advantage: What Every Veteran Should Know Right Now Monday November 10th, 2025 Article from Keeping Current Matters For Buyers,Buying Tips If you\u2019ve served in the military (or if your spouse has), you have access to one of the most powerful homebuying tools out there. The chance to buy a home without [&hellip;]<\/p>\n","protected":false},"author":194391,"featured_media":337,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[109,107,105,141,31,160,159,19,15,46,58,65,63,64],"class_list":["post-336","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate","tag-best-local-realtor","tag-best-real-estate-agent","tag-best-realtor-in-lufkin","tag-best-realtor-in-lufkin-tx","tag-buying-facts","tag-experienced-va-real-estate-agent","tag-experienced-va-realtor","tag-real-estate-lufkin","tag-realtor","tag-trust-the-pros","tag-trusted-realtor","tag-va-benefits","tag-va-loan","tag-veterans"],"_links":{"self":[{"href":"https:\/\/twilabertrand.sites.c21.homes\/index.php?rest_route=\/wp\/v2\/posts\/336","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/twilabertrand.sites.c21.homes\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/twilabertrand.sites.c21.homes\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/twilabertrand.sites.c21.homes\/index.php?rest_route=\/wp\/v2\/users\/194391"}],"replies":[{"embeddable":true,"href":"https:\/\/twilabertrand.sites.c21.homes\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=336"}],"version-history":[{"count":1,"href":"https:\/\/twilabertrand.sites.c21.homes\/index.php?rest_route=\/wp\/v2\/posts\/336\/revisions"}],"predecessor-version":[{"id":338,"href":"https:\/\/twilabertrand.sites.c21.homes\/index.php?rest_route=\/wp\/v2\/posts\/336\/revisions\/338"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/twilabertrand.sites.c21.homes\/index.php?rest_route=\/wp\/v2\/media\/337"}],"wp:attachment":[{"href":"https:\/\/twilabertrand.sites.c21.homes\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=336"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/twilabertrand.sites.c21.homes\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=336"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/twilabertrand.sites.c21.homes\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=336"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}