The VA Home Loan Advantage: What Every Veteran Should Know Right Now

If you’ve served in the military—or if your spouse has—you have access to one of the most powerful home buying tools available: the VA Home Loan.

It’s a benefit that allows qualified Veterans to purchase a home with no down payment—something that can make all the difference in today’s housing market.

Yet, according to Veterans United, 70% of Veterans don’t know about this benefit. That’s 7 out of every 10 who may be missing out on one of the best opportunities to build wealth and stability through homeownership.

Let’s break down what makes the VA loan such an incredible option—and how Veterans here in Rochester, NY can take advantage of it right now.

Why VA Home Loans Are a Game Changer

For nearly 80 years, VA loans have helped millions of Veterans and active-duty service members become homeowners. The Department of Veterans Affairs highlights several major advantages:

• $0 Down Payment Options: 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, keeping more money in your pocket.
• No Private Mortgage Insurance (PMI): Unlike many other loans, VA loans don’t require PMI—helping lower your monthly payment.

These benefits make VA loans one of the most accessible ways for Veterans to achieve the stability of homeownership and start building long-term wealth.

Navigating Rochester’s Competitive Market as a VA Buyer

While VA loans offer incredible advantages, it’s important to understand the realities of our Rochester housing market.

Right now, many areas in and around Rochester are experiencing a competitive seller’s market, which can make it challenging for VA offers to stand out—especially when competing against cash or conventional offers.

But that doesn’t mean it’s impossible. The Nathan Wenzel Team has developed strategies specifically for helping VA buyers strengthen their offers and succeed, including:

• Targeting less competitive properties, such as homes just outside the city or those that need a bit of work. These homes often receive fewer offers, giving VA buyers a better chance.
• Highlighting the strength of your financial profile and working with sellers’ agents to position your offer as reliable and well-prepared.
• Partnering with trusted VA-friendly lenders who can ensure a smooth, timely closing—something sellers value highly.

Another great opportunity? Using your VA benefits to buy a multi-family property (such as a duplex or triplex) and live in one of the units. This allows you to build equity faster, benefit from rental income, and enter a segment of the market that’s typically less competitive than single-family homes.

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

There’s been some recent confusion around whether VA loans are still being processed during the government shutdown. The good news: you can still get a VA loan.

While there may be some minor delays, lenders are still able to order appraisals, obtain Certificates of Eligibility, and submit VA Funding Fees. In short—your VA home loan benefits are still active and available when you’re ready to buy.

So, if you’ve been waiting to start the process, there’s no need to put it off.

Why Working with the Right Agent and Lender Matters

Navigating the VA loan process can be smoother and more rewarding when you have the right team by your side.

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.”

At the Nathan Wenzel Real Estate Team, we understand both the local Rochester market and the specifics of VA financing. We work closely with lenders who specialize in VA loans to help you:

• Strengthen your offer in a competitive market
• Identify the right neighborhoods and property types for VA success
• Maximize your benefits and long-term investment potential

Bottom Line

If you’re a Veteran, your VA home loan benefit is one of the most valuable rewards for your service. With options for no down payment, limited closing costs, and no PMI, it’s an opportunity worth exploring.

In a market as dynamic as Rochester’s, having a knowledgeable local agent can make all the difference.

Contact the The Nathan Wenzel Team today to learn how we can help you make the most of your VA benefits and find the perfect home in Greater Rochester.