For 80 years, VA home loans have helped millions of service members and their families achieve homeownership. But here’s the surprising part—most Veterans don’t even realize they qualify.

According to a recent report from Veterans United, only 3 in 10 Veterans are aware they may be able to buy a home with no down payment using a VA loan.

That means 70% of eligible buyers could be missing out on one of the most life-changing benefits they’ve earned through service.

Why VA Loans Matter in North Alabama

Whether you're stationed at Redstone Arsenal, retiring in Madison, or relocating to the Huntsville area for your next chapter, understanding what a VA loan offers can be a total game-changer.

According to Veterans United, VA loans come with:

“. . . a list of big-time benefits, including $0 down payment, no mortgage insurance, flexible and forgiving credit guidelines, and the industry's lowest average fixed interest rates.”

What Are the Top Benefits of a VA Loan?

According to the Department of Veterans Affairs, here’s what makes this loan option stand out—especially in a competitive market like North Alabama:

1. $0 Down Payment

You read that right. Many eligible Veterans can purchase a home without putting any money down. That makes homeownership more accessible, even if you haven’t saved up a large lump sum.

2. No Private Mortgage Insurance (PMI)

Unlike FHA or conventional loans, VA loans don’t require PMI—even with no down payment. This could save you hundreds per month.

3. Lower Closing Costs

The VA limits the types of fees Veterans can be charged, helping you keep more money in your pocket at the closing table.

4. More Flexible Credit Guidelines

VA loans are often more forgiving when it comes to credit scores and debt-to-income ratios, which helps more families qualify.

Are You Eligible?

Eligibility depends on your military service history, discharge status, and a few other factors. If you’re on active duty, a Veteran, in the National Guard or Reserves, or a surviving spouse, you may qualify.

The best way to find out? Connect with a local VA-approved lender who understands the ins and outs of military benefits in the Huntsville housing market.

Ready To See What You Qualify For?

At the Rebecca Lowrey Group, we work alongside trusted VA lenders in North Alabama to make sure our Veterans and military families get the service—and the results—they deserve.

Whether you're a first-time buyer or relocating to North Alabama from out of state, we’re here to guide you through every step, from pre-approval to closing day.

📍 Serving military families across Redstone Arsenal, Madison, Owens Cross Roads, Hazel Green, and beyond.

💡 Who You Work With Matters.