If you’ve served in the military, or your spouse has, you have access to one of the strongest homebuying tools in the country: the VA Home Loan benefit. This isn’t just another mortgage option. It’s a path to homeownership designed to honor your service by making it easier and more affordable to buy a home.

Yet according to Veterans United, over 70% of Veterans are still unaware that they may qualify to purchase a home with no down payment required. That means many eligible service members and families right here in Richmond, Chesterfield, Henrico, and the surrounding Central Virginia communities are missing out on owning a home when they don’t have to.

Why the VA Loan is Such a Powerful Benefit

The VA loan program has helped Veterans build generational stability for nearly 80 years. According to the U.S. Department of Veterans Affairs:

Top Advantages of Using a VA Loan
• No down payment required for most buyers
• Lower upfront costs on closing day
• No Private Mortgage Insurance (PMI), which helps keep your monthly payment lower
• Competitive interest rates

This benefit was created to make homeownership more accessible, more affordable, and more achievable for those who served. It is one of the most meaningful and valuable financial benefits available to military families.

What About the Government Shutdown? Can You Still Use a VA Loan?

There has been confusion lately about whether the VA loan system is paused or limited. According to Veterans United:

“The good news is that the shutdown has minimal impacts on VA lending. Lenders are still able to order appraisals, obtain Certificates of Eligibility, and process VA Funding Fees. Veterans are still able to use their home loan benefit to buy a home or refinance.”

In short, yes. You can still use your VA home loan benefit today. The processing timeline may be slower, but the opportunity is still wide open.

Local Market Reality: This Matters Right Now in Central Virginia

Inventory is increasing across many parts of Central Virginia, which means buyers have more choices and more negotiating power than we’ve seen in several recent years.

If you have your VA eligibility, this combination is a strategic advantage:

More homes available
+
No down payment requirement

A better chance to get the home you want without competing in an overheated bidding environment.


We’re already seeing this trend play out here in Central Virginia. As affordability conditions shift and more homes become available, VA buyers are finding themselves in a stronger position than they were even a year ago. More inventory means more choice, more negotiation room, and more opportunities to put those earned VA benefits to work.

Why Choosing the Right Agent and Lender Matters

VA loans require specific knowledge. As VA News explains:

“Choosing a military-friendly agent who understands the VA loan application process can make all the difference in the homebuying experience.”

You deserve a team that understands:
• VA appraisal guidelines
• Seller credit strategies
• Local market contracts
• How to make your offer stronger without increasing your cash out of pocket

This is where we come in.

Ready to Use Your VA Home Loan Benefit?

If you qualify, this is your benefit. You earned it. And our job is to help you use it confidently and successfully.

Schedule a free, no-pressure consultation with our team:

Schedule Here

Or call us anytime:
(804) 929-4475

Bottom Line

If you are a Veteran, service member, or military spouse, the VA loan is one of the most valuable homeownership benefits you may ever receive. It can help you buy sooner, save money, and start building long-term stability and wealth.

And we are honored to support those who have served.

Don Reid Properties
Serving Richmond, Chesterfield, Henrico and the surrounding communities
📞 (804) 929-4475
🌐 https://www.donreidproperties.com