What to Do if a Realtor or Loan Officer Tells You Not to Use Your VA Loan

As a veteran, you’ve earned one of the most powerful benefits available in the real estate world: the VA home loan. Yet, far too often, we hear about veterans being told not to use their VA loan benefits—usually by real estate agents or loan officers who misunderstand the program or simply find it less convenient.

If you’re a veteran and someone tells you not to use your VA loan, here’s exactly what to do—and why you should think twice before taking that advice.

🚩 First, Understand Why You’re Being Told “No”

Some common (and usually incorrect) reasons agents or lenders discourage VA loans:

• “Sellers don’t like VA loans.”
  This is outdated and often based on myths. VA loans don’t take longer to close than conventional loans when handled properly, and VA buyers are just as serious and qualified.

• “There are too many fees.”
  VA loans actually limit what veterans can be charged in closing costs, which protects you. The VA funding fee can be financed and is often offset by the lack of a down payment or mortgage insurance.

• “VA appraisals are harder.”
  VA appraisals simply make sure the home is safe, sound, and sanitary. That’s a good thing for any buyer.

• “It’s more work.”
  For some agents or lenders unfamiliar with VA loans, this may be true—but that’s on them, not on you.

✅ What You Should Do Instead

1. Stand your ground.
   This is a benefit you earned through your service. Don’t give it up without a very compelling reason—and “it’s harder” is not one.

2. Work with a VA-savvy team.
   At Elite Mortgage Advisors, we specialize in VA loans. We know the guidelines, we know how to structure your offer to make it competitive, and we work with real estate agents who know how to advocate for VA buyers.

3. Ask the right questions.
   If someone tells you not to use your VA loan, ask them:

   • “Why?”

   • “Have you closed VA deals before?”

   • “Are you familiar with the current VA guidelines?”
     If they hesitate, it may be time to find someone who truly understands your benefit.

4. Connect with us.
   We’re proud to help our veterans and active-duty service members use their VA benefits with confidence. If you’ve run into resistance, we’ll walk you through your options, connect you with the right partners, and help you close your home—with your VA loan.

🏡 The Bottom Line

You served our country. You earned this benefit. Don’t let anyone talk you out of using it because they’re uninformed or unprepared.

At Elite Mortgage Advisors, we fight for our veterans the way they fought for us.

Ready to use your VA loan the right way?

Call us at 786-380-3859