If you’ve 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.

Unfortunately, 70% of Veterans (that’s 7 out of every 10) don’t know about this benefit, according to Veterans United.

And that’s a big missed opportunity for those who’ve earned this benefit through service. So, let’s break down what you really need to know about Veterans Affairs (VA) home loans right now.

Why VA Home Loans Can Be a Great Option

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 top perks according to the Department of Veteran Affairs:

• Options for $0 Down Payment: Many Veterans can buy a home without spending years saving up.
• Fewer Upfront Costs: The VA limits which types of closing costs Veterans have to pay, helping you keep more cash on hand when you’re finalizing your purchase.
• No Private Mortgage Insurance (PMI): Unlike many other loan types, VA loans don’t require PMI, lowering your monthly costs.

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.

Can You Still Get a VA Loan with the Government Shutdown?

But lately, there’s 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.

While there may be processing delays, Veterans United explains you can still get a loan:

“There’s 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’s 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.”

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.

Why the Right Agent and Lender Matter

Just remember, using your VA home loan is easier (and smoother) when you have the right team behind you. As VA News puts it:

“Choosing 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.”

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’re getting the most out of your benefits.

Keeping Current Matters. https://www.keepingcurrentmatters.com/2025/11/10/the-va-home-loan-advantage-what-every-veteran-should-know-right-now/

5 Things Every Buyer Should Know Before Falling in Love with a House

Buying a home is exciting — like scrolling through Zillow at midnight and convincing yourself you need that wraparound porch and the giant soaking tub you’ll probably use twice. But before you get swept away by granite countertops and open-concept kitchens, there are a few things every buyer should know before making it official.

1. Your budget isn’t just your pre-approval.

Just because a lender says you can spend up to a certain amount doesn’t mean you should. There’s a difference between what you can afford and what you’re comfortable affording. Think about your lifestyle — do you love eating out, traveling, or spoiling your dog? Those things still need to fit in your budget after you move in.

2. Don’t skip the inspection — even if it looks perfect.

That charming home with the white picket fence could be hiding plumbing problems, roof leaks, or a foundation that’s seen better days. A home inspection might feel like a speed bump in the process, but it’s one of the smartest investments you’ll make. Trust me, surprises are great for birthdays… not for closing day.

3. Location isn’t just about the commute.

Think beyond distance to work. What about school districts, resale potential, and whether that “quiet neighborhood” stays quiet after 10 PM? A great location can make or break your long-term happiness — and your home’s future value.

4. It’s okay to take your time.

Buying a home is a big deal, not a race. The right one will check more boxes than it misses. If it’s meant to be yours, it won’t slip away because you took a day to think. (And if it does? There’s always another perfect porch out there.)

5. Your agent is your secret weapon.

A good agent doesn’t just unlock doors — they protect your interests, spot red flags, and help you negotiate like a pro. Whether it’s knowing the local market, handling the paperwork, or reminding you not to buy furniture before closing (seriously, don’t do it), your agent’s got you covered.

As the weather cools down, the real estate market in Navarro and Freestone counties is still heating up! Fall often gets overlooked in favor of the spring market, but this season brings serious advantages for both buyers and sellers.

🍁 For Sellers: Serious Buyers Are Still Out There

Fall buyers tend to be motivated — they’re ready to move before the holidays or lock in a new home before the new year. Your home can shine with simple seasonal touches like cozy décor, a tidy yard, and great lighting for those earlier sunsets.

🍁 For Buyers: Less Competition, More Opportunity

With fewer listings compared to spring and summer, sellers are often more open to negotiation. That can mean better pricing, smoother closings, and less stress. Plus, cooler temps make for perfect house-hunting weather!

The Bottom Line

Whether you’re thinking about selling before the holidays or buying before year-end, this is a great window to take advantage of the market’s quieter—but still active—season.

If you’re ready to make a move, let’s talk strategy. I can help you time your listing, connect you with trusted lenders, and guide you from “thinking about it” to “handing over the keys.

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We can definitely fill you in on details that are not listed on the report and help you determine the best home for you. If you are wondering if now is the time to sell, please try out our INSTANT home value tool. You’ll get an estimate on the value of your property in today’s market. Either way, we hope to hear from you soon as you get to know our neighborhoods and local real estate market better.