If you’ve served in the military — or your spouse has — you may be eligible for one of the strongest homebuying tools available today: the VA home loan, which allows qualified buyers to purchase a home with $0 down payment.
But here’s the surprising part…
According to Veterans United, 70% of Veterans don’t even know they have this benefit. That’s 7 out of every 10 missing out on a massive opportunity to build wealth through homeownership.
If you’re a Veteran in Redlands, Loma Linda, Highland, Yucaipa, or anywhere in the Inland Empire, here’s exactly what you need to know.
Why VA Home Loans Are a Powerful Option for Local Veterans
For nearly 80 years, VA loans have helped millions of Veterans and active-duty service members become homeowners — often with less cash upfront and lower long-term costs.
According to the Department of Veterans Affairs, here are the top VA loan advantages:
1. $0 Down Payment Options
Many Veterans can purchase a home in Redlands or the Inland Empire without having to save for a large down payment — an incredible benefit in today’s market.
2. Lower Upfront Costs
The VA limits what closing costs Veterans can be charged, saving you money when finalizing your purchase.
3. No Private Mortgage Insurance (PMI)
Conventional loans typically require PMI unless you put down 20%.
VA loans never require PMI, helping keep your monthly payment lower.
These benefits make VA financing one of the best ways for Veterans to build stability, equity, and long-term wealth — especially in competitive markets like Southern California.
Can You Still Get a VA Loan During the Government Shutdown?
There has been a lot of confusion about whether VA loans are still available during the government shutdown — and that uncertainty has held some Veterans back from starting the process.
Here’s the good news: you can still get a VA loan.
Veterans United explains:
“The shutdown has minimal impacts on VA lending … Veterans are still able to use their home loan benefit to buy a home or refinance an existing mortgage.”
There may be slight delays, but lenders can still order appraisals, process your Certificate of Eligibility, submit the VA Funding Fee, and move your loan forward.
So if you’re ready, the process is still open for you.
Why Working With the Right Agent and Lender Matters
Using a VA loan is simpler when you have a team that knows how to navigate the process.
VA News says:
“Choosing a military-friendly broker or agent who understands the VA home loan application process can make all the difference … Communication is key to getting to the loan closing table.”
A knowledgeable real estate agent and an experienced VA lender can help with:
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Eligibility questions
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VA appraisal requirements
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Local VA-friendly homes and neighborhoods
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Navigating the timeline
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Negotiating to protect your benefits
With the right guidance, you can move from preapproval to closing with confidence.
Bottom Line
If you’re a Veteran or active-duty service member in Redlands or the Inland Empire, the VA home loan is one of the most valuable benefits you’ve earned.
With $0 down, no PMI, and lower upfront costs, it can open the door to homeownership sooner than you think.
If you’re ready to explore your options, talk to a lender and connect with a local VA-friendly agent so you can take full advantage of your hard-earned benefit.
