@Mike Aguilar The VA loan offers a $0 down payment, which makes it attractive for buyers. However, sellers look at them differently. Let's look at it from the seller's point of view.

I'm selling my own home at $500,000. A buyer with a VA loan comes to the table along with a buyer using a 20% down conventional loan. Both the VA buyer and conventional buyer put $500 down as EMD. After due diligence, there's normally a 2nd deposit due, but not for the VA buyer. The conventional buyer puts down the balance of 5% down.

These deposits are what is at risk if the buyer defaults. A default means that the buyer walks away without proper justification - things that are stipulated in the P&S like financing, home inspection, etc.

Here's how much each buyer has invested so far: VA buyer - $500. Conventional buyer - $25,000 (5%).

Both buyers change their mind after due diligence because they found a much better house. The VA buyer gets to walk away for $500. The conventional buyer? $25,000.

The VA buyer has almost no skin in the game, so when he walks away, the seller has to put his house back on the market. The fact that it was under agreement and then came back on market stigmatizes the house. Everybody looks at the fact that a deal blew up as an indicator of some sort of problem.

Worse, the seller has plans to move to a new home.  Because he needs the proceeds from the now-dead deal to buy the next home, that next deal is probably going to blow up too and his deposit there might also be at risk.

Just for some icing on the cake, VA appraisals are the most strict in terms of property condition. A tiny bit of peeling paint, a cracked window, an uneven sidewalk and any of a very long list of defects will cause a failed appraisal. In some areas, the VA loan requires a "wood destroying insect" inspection that the seller has to pay for.

The bottom line is that VA loans actually put the veteran at a disadvantage in a competitive bidding situation. That doesn't mean you shouldn't use that benefit. You've earned it and are entitled to it - but just be aware that there are drawbacks.

@Mike Aguilar

As mentioned above, there are some drawbacks, but don't let that discourage you. A VA loan is one of the best out there for the holder. No mortgage insurance, up to 100% financing, and amazing interest rates. Do you have specific questions regarding the process?