{"id":3,"date":"2026-09-07T13:00:00","date_gmt":"2026-09-07T13:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/jhickmanbroker-com\/2026\/09\/07\/u-s-va-loans-vs-conventional-loans\/"},"modified":"2026-09-07T13:00:00","modified_gmt":"2026-09-07T13:00:00","slug":"u-s-va-loans-vs-conventional-loans","status":"publish","type":"post","link":"https:\/\/www.jhickmanbroker.com\/blog\/2026\/09\/07\/u-s-va-loans-vs-conventional-loans\/","title":{"rendered":"U.S. VA Loans vs. Conventional Loans"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/john-hickman-1\/va-vs-conventional-remotion-videos-dd81\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Choosing between a VA loan and a conventional loan? I\u2019ve guided clients through this decision many times since 2006. VA loans are a tremendous resource for veterans, active military, and certain surviving spouses\u2014especially when down payment savings are limited or debt-to-income ratios are on the higher side. With a VA loan, you\u2019ll pay a one-time funding fee, but there\u2019s no annual mortgage insurance. On the other hand, conventional loans can be the more economical route if you can put down 20%, since you\u2019ll avoid mortgage insurance altogether. Plus, they\u2019re flexible enough to finance second homes or investment properties\u2014something many of my wealth-building clients appreciate. The best way to know which is right for you? Compare rates and fees for both using your exact financial picture. I always recommend digging into the numbers with a trusted mortgage professional who understands both options inside and out. That way, you\u2019ll be confident you\u2019re on the path that truly fits your goals.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Choosing between a VA loan and a conventional loan? I\u2019ve guided clients through this decision many times since 2006. VA loans are a tremendous resource for veterans, active military, and certain surviving spouses\u2014especially when down payment savings are limited or debt-to-income ratios are on the higher side. With a VA loan, you\u2019ll pay a one-time [&hellip;]<\/p>\n","protected":false},"author":469,"featured_media":4,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-3","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.jhickmanbroker.com\/blog\/wp-json\/wp\/v2\/posts\/3","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.jhickmanbroker.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.jhickmanbroker.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.jhickmanbroker.com\/blog\/wp-json\/wp\/v2\/users\/469"}],"replies":[{"embeddable":true,"href":"https:\/\/www.jhickmanbroker.com\/blog\/wp-json\/wp\/v2\/comments?post=3"}],"version-history":[{"count":0,"href":"https:\/\/www.jhickmanbroker.com\/blog\/wp-json\/wp\/v2\/posts\/3\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.jhickmanbroker.com\/blog\/wp-json\/wp\/v2\/media\/4"}],"wp:attachment":[{"href":"https:\/\/www.jhickmanbroker.com\/blog\/wp-json\/wp\/v2\/media?parent=3"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.jhickmanbroker.com\/blog\/wp-json\/wp\/v2\/categories?post=3"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.jhickmanbroker.com\/blog\/wp-json\/wp\/v2\/tags?post=3"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}