Real Estate Savings for Veterans and Active Military

Realtor rebates and loan programs

Military members and veterans have access to some of the most valuable home buying benefits in the country. From substantial real estate rebates and closing cost credits through the Heroes Home Advantage program to exclusive VA home loan benefits like zero down payment and no PMI, these programs can help service members, veterans, and eligible spouses save thousands when buying, selling, or refinancing a home.

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Real Estate Savings for Military Members & Veterans

The Heroes Home Advantage program connects military buyers and sellers with participating real estate agents, lenders, attorneys, and other service providers who give back through exclusive discounts:

  • Realtor credit/rebate – At least $750 per $100,000 of the purchase price, provided as a credit at closing or a rebate check after closing (depending on state rules).

  • Lender credits – Up to $500 toward closing costs.

  • Attorney fee discounts – Up to $250 in savings.

  • Other partner discounts (where available) – Reduced rates for home inspections, chimney inspections, furnace/AC cleaning, and more.

Savings can apply whether you’re buying, selling, or refinancing, and in many cases can be combined with local or state down payment assistance programs for even greater benefits.

VA Home Loan Benefits

The VA Home Loan program, guaranteed by the U.S. Department of Veterans Affairs, is a powerful mortgage option for eligible service members, veterans, and certain surviving spouses.

Key benefits include:

  • No down payment required.

  • Competitive interest rates thanks to VA backing.

  • No Private Mortgage Insurance (PMI).

  • Flexible credit requirements for easier qualification.

  • Assumable mortgage, allowing a buyer to take over your VA loan when selling (advantageous in high-rate markets).

Eligibility typically requires one of the following:

  • 90+ consecutive days of active service during wartime.

  • 181+ days of active service during peacetime.

  • More than 6 years in the National Guard or Reserves.

  • Surviving spouse of a service member who died in service or from a service-connected disability.

How to apply:

  1. Obtain your Certificate of Eligibility (COE) from the VA.

  2. Work with a VA-approved lender to determine your loan options.

  3. Get pre-approved before house hunting.

  4. Find a home with a real estate agent experienced in VA transactions.

  5. Complete the loan process and close on your new home.

Note: Heroes Home Advantage is not affiliated with or endorsed by the VA or any federal agency. All loans are subject to underwriting and qualification guidelines. This is not a commitment to lend.

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