Most of the resistance comes down to plain misinformation; there is rarely anything actually wrong with a VA loan, and the program is often more flexible than FHA or conventional. The old rules about which closing costs a veteran could not pay are long gone. When a listing agent pushes back, it is usually because they do not understand the program and read a zero-down offer as less qualified on paper. The common myths do not hold up: - VA loans do not take longer to close. - The minimum property requirements are health-and-safety standards, close to what any appraisal already checks. - The VA escape clause protects the veteran, and no one can waive it. This federally required clause simply lets the buyer cancel and recover their earnest money if the home appraises below the contract price. A seller with a fairly priced home has no reason to fear it. A few things help. Work with a lender who genuinely knows VA, because that matters when an appraisal comes in low and you need the VA's Tidewater and reconsideration-of-value process to keep the deal together. Lean on a buyer's agent who can educate the other side; Jeb works through the Vetted VA network, where many of the agents are veterans who specialize in exactly this. And know your rights: a seller should not even be weighing your loan type when deciding whether to let you tour a home. If you are hitting that wall, you are almost certainly running into an education gap on the other side, and your financing is fine.