What’s New with VA Loans in 2025? Benefits for Veterans
If you're a veteran or an active-duty service member, you’re likely aware of the VA loan program, one of the most powerful mortgage options available. In 2025, VA loans continue to evolve, offering greater benefits and expanded eligibility to help veterans achieve homeownership.
1. Expanded Eligibility for VA Loans in 2025
The Department of Veterans Affairs (VA) has made it easier for more veterans and active-duty members to qualify for a loan.
- Veterans: Those who served for at least 90 days during wartime or 181 days during peacetime may qualify.
- Active-Duty Service Members: Those currently serving in the military can qualify under similar requirements.
- National Guard & Reserve Members: Now eligible after serving at least 6 years.
- Surviving Spouses: Spouses of service members who died in the line of duty may qualify.
2. No Down Payment Required in 2025
VA loans still offer 100% financing with no down payment, plus the added benefit of no private mortgage insurance (PMI).
3. Higher Loan Limits in 2025
VA loan limits have increased to reflect rising home prices, and there’s no maximum loan amount for qualified veterans.
4. Streamlined Refinancing Options
Veterans can take advantage of lower closing costs and faster processing through the VA IRRRL program for refinancing.
5. Improved Support for Disabled Veterans
Veterans with disabilities may qualify for the Specially Adapted Housing (SAH) grant and be exempt from the VA funding fee.
6. Veterans Can Use Multiple VA Loans
Veterans who have used a VA loan before can still qualify for another loan if they meet certain entitlement requirements.
Final Thoughts
With increased loan limits, expanded eligibility, and improved refinancing options, VA loans in 2025 are more powerful than ever. Contact SouthFork Funding today to explore your options.
