Veterans Are Finding Their Moment in Today’s Market
After several years of tight inventory and rising prices, the U.S. housing market has started to shift—this time in favor of buyers. For many veterans, that change has opened new doors to homeownership, and it’s something we see firsthand in our work helping military families settle here in North Texas.
According to recent Redfin data, VA-backed home purchases rose to 7.3% of all mortgaged sales in August, up from 6.5% a year earlier—the highest level since 2019.
So what’s driving this increase, and what does it mean for veterans looking to buy a home?
What Makes a VA Loan Different?
VA loans are a special benefit for eligible veterans, active-duty service members, and surviving spouses. They’re provided by private lenders but guaranteed in part by the U.S. Department of Veterans Affairs, allowing buyers to access more flexible terms—often with no down payment and no mortgage insurance required.
Compared to conventional loans, which usually require 5–20% down, or FHA loans, which require at least 3.5%, VA loans make it easier for those who’ve served to become homeowners.
Why VA Loan Use Is Rising Again
During the pandemic housing boom, low inventory and high competition often left VA buyers out of the running. Sellers favored cash or large-down-payment offers that felt “safer.”
But the market looks different now. More inventory and slower sales mean buyers—including those using VA loans—have room to negotiate.
With sellers more open to financed offers, veterans can once again compete—and win.
Where Veterans Are Buying Homes
It’s no surprise that VA loans are most common in areas with strong military ties—places like Virginia Beach, Jacksonville, and Washington, D.C. lead the way. These cities have long-standing military communities and deep familiarity with the VA loan process.
What This Means for Texas Buyers
Texas is very much part of this trend. With its strong job market, welcoming communities, and steady housing opportunities, the Lone Star State continues to be a top choice for veterans looking to buy.
Here in North Texas, areas like Lewisville, Flower Mound, and Fort Worth have become especially attractive options. These communities offer a balance of good schools and accessible healthcare—making DFW one of the most practical places in Texas to use a VA loan.
As local agents with veteran roots, we’ve seen how these communities welcome those who’ve served and create the kind of support network that helps families truly feel at home. And while VA benefits are available nationwide, Texas stands out for its supportive environment and long-standing commitment to those who’ve served. For many veterans and their families, that combination of stability, opportunity, and community makes it the perfect place to call home.
How Veterans Can Get Started
If you’re a veteran or active-duty service member thinking about buying a home, now may be one of the best times to take that step. With more inventory and flexible lending options, veterans have a real advantage in today’s market.
As agents with strong veteran roots, we understand the unique needs of military families and the benefits available through VA financing. We specialize in helping veterans make the most of their loan options while finding homes that fit both lifestyle and budget.
VA loans remain one of the most powerful homebuying benefits available—offering zero down payment, flexible credit requirements, and strong buyer protections. We can guide you through every step, from confirming eligibility and connecting with a VA-approved lender to finding the right home here in North Texas.
If you or a family member are exploring homeownership in the DFW area, we’d love to help you navigate your options with confidence—from understanding VA loans to making informed decisions in today’s buyer-friendly market.
Araceli Mendonça
A proud U.S. Navy veteran, Araceli carries her heart for service into real estate—helping clients find stability, home, and a fresh start between life’s chapters.”
Ria Joy Wilds
Service runs deep in Ria’s family. As the wife and daughter of Air Force veterans, she supports military families with empathy—and helps them find more than a home, but belonging.
