The VA Home Loan Advantage: What Every Veteran Should Know Right Now

Author Amy Stockberger | Founder,  Amy Stockberger Real Estate | Creator, Lifetime Home Support™ Academy | Partner, ProInsight – helping agents scale with Relational Tech™ | Ranked the #1 Real Estate Team in South Dakota since 2017 and #33 in the Nation by Real Trends

If you’re a Veteran or the spouse of one living in or relocating to Sioux Falls, SD, you have access to one of the most powerful tools in homeownership — the VA Home Loan. This benefit allows you to buy a home with no down payment, helping thousands of military families each year secure housing and build wealth.

Shockingly, 70% of Veterans (7 out of every 10) aren’t aware of this benefit, according to Veterans United. That’s a huge missed opportunity — especially for those ready to plant roots and take advantage of Sioux Falls’ strong, stable real estate market.

Why This Matters in Sioux Falls, SD

The Sioux Falls real estate market continues to offer a combination of affordability, community, and long-term investment value. For Veterans and active-duty service members, that makes this city an ideal place to use a VA loan.

Neighborhoods like Prairie Hills, Jefferson Heights, and Harrisburg have shown consistent appreciation, while still maintaining prices that make VA financing practical. Whether you’re buying your first home or refinancing, Sioux Falls offers a supportive environment for Veterans to thrive financially and personally.

VA Home Loan Benefits Every Veteran Should Know

Tip 1: $0 Down Payment Options
Most Veterans can buy a home without spending years saving up — a huge advantage in today’s market.

Tip 2: Lower Upfront Costs
The VA limits which closing costs Veterans can be charged, helping you keep more of your money at closing.

Tip 3: No Private Mortgage Insurance (PMI)
Unlike conventional loans, VA loans don’t require PMI. That means your monthly payments stay lower, giving you more room to budget or upgrade your home.

These benefits make VA loans an incredible pathway to homeownership, wealth-building, and stability for military families across Sioux Falls, SD.

Can You Still Get a VA Loan During a Government Shutdown?

Recent headlines have caused confusion about whether VA loans are still being processed during government shutdowns. Here’s the truth: you can still get a VA loan.

According to Veterans United, while there may be delays, the system remains open:

“The good news is that the shutdown has minimal impacts on VA lending. Lenders are still able to order appraisals, obtain Certificates of Eligibility, and process funding fees. Veterans are still able to use their home loan benefits.”

So, while patience might be required, your VA home loan benefits remain active and accessible — ready when you are.

Why the Right Agent and Lender Matter

Navigating a VA loan successfully starts with choosing the right local team. As VA News emphasizes:

“Choosing a military-friendly broker or agent who understands the VA home loan process can make all the difference.”

At Amy Stockberger Real Estate, our agents are trained to collaborate with VA-experienced lenders and ensure Veterans get the full benefits they deserve. Communication, precision, and expertise are key to getting you from application to closing — smoothly and confidently.

How Amy Stockberger Real Estate Can Help

Through our Lifetime Home Support™ System system, we provide Veterans in Sioux Falls, SD with more than just home-buying guidance. You’ll also receive:

• Access to our Home Support Team Partners, offering trusted services from lenders to local contractors.
• Use of free moving trucks, tools, and home equipment for a seamless transition.
• Concierge-style service that saves clients up to $20,000 in the first year.

We’re proud to serve those who’ve served us — making every step of your home journey easier and more rewarding.

Local Resources to Explore

• VA Home Loan Program – U.S. Department of Veterans Affairs
• Veterans United – VA Loan Education Center
• Sioux Falls Chamber of Commerce
• Sioux Falls School District

Ready to Take the Next Step?

If you’re a Veteran ready to buy a home in Sioux Falls, SD, now’s the time to act. A VA loan gives you access to affordable homeownership, long-term equity, and exclusive savings.

Our team is here to serve — before, during, and forever.

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