If you’ve served in the military—or if your spouse has—you have access to one of the most powerful homebuying tools available: the ability to purchase a home with no down payment required. Yet, around 70% of Veterans aren’t aware of this incredible benefit. That means 7 out of 10 Veterans could be missing out on one of the biggest advantages they’ve earned through service. Here’s what you need to know about VA home loans and how they can help you achieve your homeownership goals.

 

Why VA Home Loans Are a Great Option

For nearly eight decades, VA loans have helped millions of Veterans and active-duty service members become homeowners. According to the Department of Veterans Affairs, here are some of the biggest benefits:

  • $0 Down Payment Options: Many Veterans can purchase a home without years of saving for a large down payment.
  • Fewer Upfront Costs: The VA restricts which closing costs Veterans can be charged, allowing you to keep more cash available for moving or home upgrades.
  • No Private Mortgage Insurance (PMI): Unlike many conventional loans, VA loans do not require PMI, helping reduce monthly housing expenses.

These advantages make VA loans an outstanding choice for service members and their families looking to build stability, save money, and create long-term wealth through homeownership.

 

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

With recent headlines about government shutdowns, many Veterans have wondered whether VA loans are still available. The good news is that they are.

While some processes may experience delays, lenders are still able to order appraisals, obtain a borrower’s Certificate of Eligibility, submit VA funding fees, and more. In short, Veterans can still use their home loan benefit to purchase a home or refinance an existing mortgage. The process might take a little longer than usual, but it’s still very much open and functioning.

 

Why the Right Agent and Lender Make All the Difference

Using your VA home loan is a smoother, easier experience when you have the right team supporting you. Choosing a real estate professional who understands VA loans—and works with a lender experienced in the process—can make all the difference.

A military-friendly agent and an informed lender will help you navigate every step, from qualifying to closing, ensuring that you’re taking full advantage of your well-earned benefits. Communication and coordination between your agent and lender are key to reaching the settlement table efficiently.

 

Local Impact: VA Loans in Anne Arundel County

Here in Anne Arundel County, VA loans are a lifeline for many who serve or have served at nearby installations like Fort Meade and NSA, or for Veterans who want to settle close to BWI Airport, Odenton, Crofton, Gambrills, or Annapolis. The area offers a wide variety of homes—townhomes, single-family properties, and new construction—that fit well within VA loan guidelines. Working with a local Realtor familiar with military moves and VA lending requirements can make your transition smoother and your purchase more efficient.

Whether you’re PCS’ing, relocating from out of state, or simply ready to put down roots, understanding your VA benefits can make a major difference in your long-term financial success.

 

The Bottom Line

If you’re a Veteran, the VA home loan is one of the most valuable benefits available to you. With the potential for no down payment, limited closing costs, and no PMI, it’s a pathway to homeownership designed to honor your service and make the process more accessible.

If you’d like to learn more, reach out to a trusted local lender—or contact The Scott Smolen Team at RE/MAX Leading Edge today. We’re proud to help Veterans and their families throughout Anne Arundel County make the most of their VA benefits and find the perfect place to call home.