New Report REVEALS What Veterans Don't Know ABOUT VA Loans

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Link to Report - https://www.navyfederal.org/about/pre...

✅ What we cover in this video:

The 4 key findings from the Navy Federal VA loan report:

High awareness, low understanding of VA loans

Information gaps and persistent myths

High satisfaction among VA loan users

The critical role of realtors in VA transactions

Why 92% of veterans have heard of VA loans, but nearly half don’t know they usually come with lower interest rates

The truth about 0% down VA loans vs. closing costs (and why “no down payment” does NOT mean “bring no money to closing”)

Why 55% of respondents incorrectly believe a down payment is required

How VA loans often allow 100% financing of the purchase price and can feature interest rates up to 0.25–1.00% lower than conventional loans (depending on the market and lender)

The difference between VA closing costs vs. the VA funding fee (and what happens if you’re VA disability exempt)

How bad information from:

Well-meaning friends and family

Lenders who don’t specialize in VA loans

Realtors who rarely work with military
leads to missed opportunities and thousands of dollars in unnecessary fees

Real-life examples of:

Veterans being told they “must live in the home for one year” (that’s an FHA rule, not a VA rule)

Dual-military couples being advised to bundle both entitlements into one property (bottling up VA eligibility)

Veterans selling properties they could have kept as rentals, losing hundreds of thousands in equity

Why official VA resources and the VA handbook (over 600+ pages plus circulars) are not enough without someone to interpret them for your situation

How to spot overpriced lender fees, unnecessary points, and junk costs that can quietly wipe out your savings

Why VA loan satisfaction is still over 90%, even when veterans don’t fully understand the loan they used

The true role of a VA-savvy realtor:

Strategic planning calls years in advance

Helping you choose markets with better property taxes

Positioning you to keep your home as a rental if you PCS or move

Using the VA loan as a wealth-building tool, not just a one-time purchase

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DISCLAIMER: The content of VA Housing Education/VA Housing Education at Waterman Bank Channel is for educational purposes only. VA Housing Education Channel is provided under license by Waterman Bank. Waterman Bank will not extend credit of any kind without speaking to a Waterman Bank mortgage loan originator. The information on the VA Housing Education/VA Housing Education at Waterman Bank Channel should not directly be used to make decisions on home offers, purchasing decisions, is not guaranteed to provide specific results, imply lending terms, qualification amounts, or real estate advice. Any calculations should be verified independently. For real estate purchase advice consult licensed real estate, financial and legal professionals for advice. The views expressed on the VA Housing Education Channel and in all videos are those of the author or person presenting and do not represent those of Waterman Bank and are not intended to provide legal or compliance advice. The VA Housing Education/VA Housing Education at Waterman Bank Channel is not affiliated with or approved by the U.S. Department of Veterans Affairs (VA) or any other government agency. Contact Waterman Bank for your lending needs. Visit www.watermanbank.com or call 815-264-3201. Equal Housing Lender. NMLS #414704. Waterman Bank. Member FDIC.

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