Rates are quiet this week and there is no new lender or regulatory move to react to, so the hook is on the calendar instead: Wednesday, Nov. 11, is Veterans Day. VA gave you the message on Saturday. In a VA News post, VA's Loan Guaranty Service says it is partnering with the National Association of REALTORS® to raise awareness of the VA home loan, and it names the misconceptions it is working against: that the process is complicated, takes longer, is less attractive to sellers, or carries substantial costs. The same post says that for many eligible borrowers the benefit can mean no down payment, competitive rates and no private mortgage insurance, and it points real estate agents to VA's Real Estate Professionals VA Home Loan Toolkit.
The rate context supports it. Bankrate's 30-year fixed reads 7.20%, near the low of its 30-day range of 7.18% to 7.57% and inside a 90-day range of 6.67% to 7.57%. Bankrate's VA 30-year reads 6.94%, 26 bps under conventional and 34 bps under its own 30-day high of 7.28%. On a $400K loan that is about $2,645 a month in principal and interest at the VA rate against about $2,715 conventional, before the VA funding fee, taxes and insurance, and about $92 a month less than at the VA rate's 30-day high.
The tactical move is a Veterans Day post that leads with thanks and teaches one fact, not a rate pitch, followed by an agent touch. Pick one of the myths VA itself named, answer it in a sentence, and invite eligible readers to message you. Then send the agents you work with a short note pointing to VA's toolkit and offering to run VA numbers for any listing or buyer they have in the next two weeks, so the agent conversation and your post carry the same facts.
write and schedule your Veterans Day post for Wednesday morning, and send three agent partners a two-line note offering a VA payment comparison on their current buyers.