2025 VA Loan Updates: Sierra Vista Veterans Gain New Benefits

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2025 VA Loan Updates: Sierra Vista Veterans Gain New Benefits | Joshua Mayer, Haymore Real Estate

2025 VA Loan Updates: Big Wins for Veterans in Southern Arizona

By Joshua Mayer, Haymore Real Estate – Sierra Vista, AZ

Thinking about buying a home using your VA loan benefit? The Department of Veterans Affairs made major 2025 updates that expand your buying power, strengthen foreclosure protections, and even reduce costs if you have a VA disability rating. Here’s everything veterans and active-duty buyers in Sierra Vista, Fort Huachuca, and across Cochise County need to know.

1. Higher VA Loan Limits Mean More Buying Power

The standard VA loan limit is now $806,500 (up from $766,550 in 2024). High-cost counties reach up to $1,209,750. With full entitlement, there’s effectively no limit—borrowing power depends only on credit, income, and appraisal.

That means qualified veterans can buy higher-priced homes in Southern Arizona with zero down payment.

2. The VA Home Loan Reform Act (H.R. 1815)

Realtor Compensation Reform

Veterans can now directly pay their Realtors, allowing VA loan buyers to be competitive in any offer situation. This change levels the playing field across Sierra Vista and Fort Huachuca.

The Partial Claim Program

The VA can pay up to 25% of missed payments, move that amount to the end of the loan, and let the veteran repay it interest-free once sold or refinanced—preventing foreclosure and keeping veterans in their homes.

Expanded Assistance

Funding for homeless veteran programs increased to $344 million, improving transitional housing and job services.

3. VA Funding Fee and Disability Exemptions

The VA funding fee is a one-time cost added to most VA loans. However, if you have a VA disability rating of 10% or higher, you are fully exempt from paying it. This applies even if you refinance or use your benefit again.

  • Disability rating ≥10%
  • Receiving or eligible for VA compensation
  • Active-duty with Purple Heart
  • Surviving spouse with DIC benefits

This exemption can save veterans $6,000–$8,000 on typical Sierra Vista home purchases.

4. Why It Matters in Southern Arizona

In Sierra Vista’s competitive market near Fort Huachuca, these reforms mean more flexibility, stronger offers, and enhanced homeownership protection for the military community.

Local Realtor Insight

As a dedicated Realtor serving veterans, I’m here to help you navigate these new benefits. Let’s review your VA eligibility, funding fee exemption, and loan strategy to maximize your results.

Contact Joshua Mayer – Haymore Real Estate, Sierra Vista, AZ

© 2025 Joshua Mayer, Haymore Real Estate | Sierra Vista, AZ

Location: Sierra Vista, AZ, USA

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