A Buyer-Friendly Market Meets Strong VA & FHA Options

October 20, 2025

If you’re shopping for a home or refinance this fall, the balance of power is shifting toward buyers — and that’s great news if you qualify for a VA or FHA home loan.

1️⃣ Buyers Are Gaining Ground

According to Fox Business, nearly 1 in 5 American homes listed for sale saw a price cut this September. The biggest markdowns appeared in the $350K–$500K range, and inventory rose 17% year-over-year, giving homebuyers more options and negotiation leverage. As competition cools, sellers are more open to concessions — including closing cost credits and price reductions — creating an ideal window for FHA and VA buyers to make their move.

2️⃣ Why FHA & VA Loans Shine Right Now

✅ **FHA Loans:** Down payments as low as 3.5%, flexible debt ratios, and credit approval starting as low as 500 scores.
✅ **VA Loans:** For eligible Veterans, service members, and surviving spouses — no down payment, no PMI, and competitive fixed rates.
✅ **Manual Underwriting:** Options available for borrowers who don’t fit automated systems.
These programs are tailor-made for today’s shifting housing market, where affordability and flexibility matter most.

3️⃣ How to Make It Work for You

**Get Pre-Qualified Early:** Understand your buying power before you shop — crucial in a fast-moving market.
**Credit Flexibility (Down to 500):** We go beyond traditional credit standards. If your FICO® is 500+, our FHA and VA programs may still approve you with compensating factors.
**Use Negotiation Leverage:** Request seller-paid closing costs, rate buydowns, or repairs without being outbid. Combined with FHA or VA loans, this can lower upfront costs.
⏰ **Act During the Buyer’s Window:** As Fox Business reports, this market advantage won’t last forever. Supply and pricing will shift again.

4️⃣ What This Means for You

**Veterans & Service Members:** Maximize your earned VA benefit while prices and rates remain favorable.
**First-Time Buyers:** FHA’s low down payment + 500 credit flexibility means you can start building equity sooner.
**Current Homeowners:** Considering a move or upgrade? Capture today’s softer prices while locking in manageable payments.

5️⃣ Your Next Step with Loan Goal

At Access Capital Group, Inc., powered by LoanGoal.com, we make it simple to explore your FHA or VA options — even with lower credit or limited savings.

Call or Apply Today:
Visit www.LoanGoal.com or contact our team to see how today’s buyer-friendly market and government-backed programs can work for you.