VA Homeowners: The Ultimate Selling Edge with Assumable Loans & Prop 19

New law permanently allows veterans to compensate their real estate agent

1. For veterans buying with a VA loan

Previously, VA rules prohibited buyers from paying their real estate agent’s commission. That sounds nice in theory, but in reality, it created problems—especially in competitive markets like Orange County. Many sellers expect buyers to cover their own agent’s commission (or they offer less commission), which put VA buyers at a disadvantage because they legally couldn’t do that.

Now, with the VA Loan Reform Act, veterans can choose to pay their agent’s commission if they want to.

Impact for VA buyers: They can now structure offers more flexibly to win in bidding wars—just like conventional buyers.

2. For veterans with delinquent VA loans

The law also allows the VA to advance funds to cover missed mortgage payments for veterans who are seriously behind.

These advances will be treated as a subordinate lien (like a second mortgage), but without changing the terms of their original loan.

This is similar to assistance programs under FHA and USDA, and it can help veterans avoid foreclosure without refinancing.

VA Loan Holders: Unlock the Power of Your Low Rate – Ask Me How

Dear Veteran HOME Loan Homeowner,

My name is Amir Vahdat, and I'm a local SENIOR REALTOR/BROKER Associate with Berkshire Hathaway HomeServices. I specialize in FINDING SOLUTIONS in real estate right here in Orange County, and I'm reaching out to you today with a unique and timely opportunity.

Given the current market, if you have a VA loan on your home, you're in an incredibly strong position to sell. The reason is simple yet powerful: your VA loan is likely assumable (Transferable)!

What does this mean for you? It means a potential buyer can take over your existing loan, often at a significantly lower interest rate than what's available today. This is a brilliant selling point for your property, making it exceptionally attractive to a wide pool of qualified buyers. Imagine getting a competitive offer on your home, while the buyer benefits from a fantastic rate that would be hard to find in today's market. It’s a true win-win that can truly set your listing apart.

We currently have numerous pre-qualified buyers actively searching for homes in S. Orange County. While demand is balanced in your desirable neighborhood, this VA loan opportunity makes it a #1 motivation for many buyers. This makes now an opportune moment to consider selling.

Even if selling isn't immediately on your radar, I would love the chance to discuss how an assumable VA loan could impact the value and marketability of your home. There's no obligation, just an opportunity to explore a significant advantage you might have.

Please feel free to contact me directly at 949-682-9090. I'd be happy to provide more details or answer any questions you may have.

Thank you for your time and consideration.

VA Homeowners: The Ultimate Selling Edge with Assumable Loans & Prop 19

New law permanently allows veterans to compensate their real estate agent

VA Loan Holders: Unlock the Power of Your Low Rate – Ask Me How

TRANSFER OF PROPERTY TAX TO REPLACEMENT PROPERTY