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Buying Strategies (For All Veterans) 5 Main Strategies
VA LOAN
You don’t need a down payment, but every loan has closing costs.
By law, VA Loan closing costs can’t be more than 4% of the home’s price.
Most end up around 2–3%.REALTOR COSTS
In today’s market, sellers often cover the realtor fees.
That means buyers usually don’t have to pay these costs—
the seller pays them instead in most cases.SELLER CREDITS
When you make your offer, you can ask the seller for credits.
Example: Ask for 4–5% seller credits.
If your closing costs are only 3%, the seller’s credit can cover everything.
Any extra credit left over can even result in money back at closing.
With the right offer, veterans can buy with no down payment and even get a check at closing.Inspections (if chosen) are out-of-pocket. VA appraisal fees are required before closing. States and fees may vary.VA LOAN ASSUMPTION
A VA loan assumption allows a homebuyer to take over an existing VA loan, including its interest rate and remaining balance. This can be especially valuable in a high-rate environment, potentially offering homebuyers a lower mortgage payment compared to taking out a new loan.INVESTMENT STRATEGY
Combine the above Strategies VA LOAN, REALTOR COSTS, SELLER CREDITS, then put an offer in on a multi unit max 4 units per VA LOAN guidelines and you're off to your passive income goals.
Trusted links to support and services for veterans — just click to access what you need.Tip: Bookmark this page for quick access anytime.
VA Resources for Homes
Mortgage Pre Approvals
You can use any trusted lender — local banks, credit unions, or personal contacts.Here are 3 nationwide options commonly used by veterans:
We’ve also added a highly experienced and knowledgeable lender with a proven track record of helping veterans from a wide range of credit and income backgrounds. They’ve successfully assisted many veterans who would have not have qualified through other lenders. Village Capital link below.
Education Resources for Veterans
Medical Resources for Veterans
Other Resources for Veterans

Jonathan Shook
Licensed Realtor & U.S. Veteran
"I got into this to help my brothers and sisters in the military simple as that."

| Home Price | 2.5% (Seller Pays) | 2.5% (Buyer Pays) | 💰 Total You Earn = 5% |
|---|---|---|---|
| $100,000 | $2,500 (Seller Pays) | $2,500 (Buyer Pays) | $5,000 Total Earned |
| $200,000 | $5,000 (Seller Pays) | $5,000 (Buyer Pays) | $10,000 Total Earned |
| $300,000 | $7,500 (Seller Pays) | $7,500 (Buyer Pays) | $15,000 Total Earned |
| $400,000 | $10,000 (Seller Pays) | $10,000 (Buyer Pays) | $20,000 Total Earned |
| $500,000 | $12,500 (Seller Pays) | $12,500 (Buyer Pays) | $25,000 Total Earned |
| $600,000 | $15,000 (Seller Pays) | $15,000 (Buyer Pays) | $30,000 Total Earned |
| $700,000 | $17,500 (Seller Pays) | $17,500 (Buyer Pays) | $35,000 Total Earned |
You must be licensed and active in your state to earn commission.You still need to qualify for a VA loan like anyone else.If you’ve got the time, it could be well worth it.Real estate License Startup Costs:
$400 – $3,100+ (varies by state)Even though each state requires fees our guidance is still 100% FREEREALTOR COSTS & COMMISSIONSFigures shown are maximum commission rates. We never push these on veterans.Our strategy: always push to have the seller cover realtor costs in sales. Least commission possible for veterans.On your own purchase/sale, with your license, you can set your own commissions. Getting paid even more to buy properties!
Click the green link above to Check Your Real Estate Pre-License Education Cost by State
Powered by Veteran Realty in partnership with The CE Shop – approved in 47 states for convenient online learning.
Note: Online pre-license education is not available in Rhode Island, Wyoming, and Nebraska.
Licensing & Disclosures
Jonathan Shook – Licensed Real Estate Salesperson in Massachusetts
License #9586262 | eXp Realty Broker of Record |
Registered with the Massachusetts Board of Registration of Real Estate Brokers and Salespersons