Unlock Your VA Loan Benefits: Zero Down, No PMI, and Competitive Rates for Military Families
As a military wife and the daughter of a Marine Veteran, helping military families understand the benefits they’ve earned is personal to me. And the VA loan is one benefit I still see misunderstood and underutilized. VA survey data found that 33.6% of Veterans who had used a home loan but not a VA loan said they simply didn’t know about the program. Even more frustrating, 8.1% said a lender or REALTOR® had discouraged them from using it. That matters because the VA loan can offer some major advantages for eligible buyers: • $0 down payment in many cases • No private mortgage insurance • Competitive financing terms • Limits on certain closing costs • The ability to reuse the benefit • Assumability, which can become incredibly valuable when selling I've seen firsthand how frequently military families PCS, relocate to expensive markets and have to make major housing decisions on a tight timeline. Understanding how to leverage your VA benefit can make a huge difference. If you’re active duty, a Veteran or an eligible surviving spouse, don't assume you know what you qualify for or let outdated misconceptions keep you from exploring your benefit. And work with a REALTOR® and lender who actually understand VA financing. Evangeline Nguyen, REALTOR® eXp Realty CA DRE #02210833 Serving San Francisco, San Jose, East Bay, Fairfield & Monterey
September 29, 2026