Navigating VA Loans and Home Buying as a Veteran in New Hampshire
If you're a veteran or active-duty service member looking to buy a home in New Hampshire, first and foremost: thank you for your service. At Lovlien Realty Group, we're honored to support our local heroes by helping them navigate one of the most powerful — and often underutilized — benefits available: the VA home loan.
In this guide, we’ll break down how VA loans work, why they’re so valuable, and what veterans should consider when buying in the Granite State.
1. What Is a VA Loan — and Why Is It So Powerful?
The VA loan is a mortgage option backed by the U.S. Department of Veterans Affairs. It’s designed to make homeownership more accessible for those who have served.
Here’s what makes VA loans stand out:
$0 down payment required in most cases
No private mortgage insurance (PMI)
Competitive interest rates
Limited closing costs
Flexible credit guidelines
These benefits can make it dramatically easier to buy a home — especially in a competitive market like New Hampshire, where saving for a large down payment can be a hurdle.
2. Who Qualifies for a VA Loan?
You may be eligible for a VA loan if you are:
An active-duty service member
A veteran who served a minimum period (typically 90 days during wartime or 181 days during peacetime)
A member of the National Guard or Reserves with sufficient service time
The surviving spouse of a service member who died in the line of duty
If you’re unsure of your eligibility, we can connect you with local VA-approved lenders who can help you obtain your Certificate of Eligibility (COE) quickly and painlessly.
3. Understanding the NH Market for Veterans
New Hampshire is home to a significant military population, and many communities are particularly welcoming to veterans and military families. Areas near Portsmouth Naval Shipyard, for example, often cater to service members with VA-friendly lending options and flexible timelines.
Veteran buyers should consider:
Proximity to VA medical centers and services (Manchester, White River Junction, etc.)
Veteran property tax exemptions (available in some towns — we’ll help you explore your options)
Commute time to base or government facilities, if still active duty or civilian contractor
Lovlien Realty Group has worked with many military buyers across the state — from young enlisted families to retired officers. We understand your unique needs, timelines, and priorities.
4. Common Misconceptions About VA Loans
Many buyers (and even some agents) misunderstand the VA loan process. Let’s clear a few things up:
Sellers are not penalized by VA loans — and in today’s more balanced market, VA buyers are just as competitive as any other.
VA appraisals aren’t tougher, they’re just a bit more focused on safety and habitability.
You can use your VA loan more than once — it's not a one-and-done benefit.
Our agents know how to position VA offers for success, negotiate terms that work, and advocate on your behalf throughout the process.
5. How Lovlien Realty Group Supports Veteran Buyers
Here’s what you can expect when you work with us:
Connections to VA-savvy lenders who will walk you through financing with transparency and speed
Skilled negotiation — we know how to write strong VA offers that win in multiple-offer situations
Honest property assessments — we’ll help you identify homes that will pass VA appraisal standards without surprises
Hands-on support — from your first tour to final closing
We understand the structure, discipline, and trust that military clients expect. We're proud to meet you at that level, every step of the way.
Final Thoughts
Using your VA loan benefit to purchase a home in New Hampshire isn’t just financially smart — it’s an opportunity to build stability and invest in your future in a state that values community and quality of life.
At Lovlien Realty Group, we consider it a privilege to serve those who have served us. Whether you’re just getting started or ready to make an offer, we’re ready to guide you with respect, clarity, and care.
📞 Reach out today for a no-obligation VA home buyer consultation.
🇺🇸 We’re here to serve those who served.
