In 2025, more and more buyers are relying on FHA and VA loans to purchase homes—especially in areas like East Pierce County where affordability is a growing concern. These government-backed programs are helping first-time buyers, veterans, and budget-conscious families compete in a shifting market. But if you're selling, it's important to understand how these loan types affect timelines, inspections, and negotiations. At Onsite Real Estate Group, we help sellers navigate FHA and VA offers with confidence. Here's what you need to know.
FHA (Federal Housing Administration) loans are geared toward first-time buyers and those with smaller down payments, while VA (Veterans Affairs) loans are exclusively for qualified military service members and veterans. Both programs offer lower interest rates and flexible credit requirements, making them appealing in today’s high-rate environment. As a result, we’re seeing a steady increase in FHA and VA-financed offers across Pierce County.
There’s a common misconception that FHA and VA buyers are financially weaker—but that’s often not the case. Many are well-qualified and fully underwritten. In fact, because these loans are backed by the government, lenders are often more thorough in verifying income and eligibility up front. A VA or FHA pre-approval is typically just as solid as a conventional one—sometimes more so.
FHA and VA loans come with extra property condition requirements. Their appraisers look for safety, structural soundness, and livability. Common red flags include peeling paint, missing handrails, broken windows, or damaged roofing. If your home is in good condition, this usually isn’t an issue—but sellers with deferred maintenance should prepare for possible repair requests before closing.
VA loans prohibit buyers from paying some closing costs, including things like escrow fees or pest inspections. This doesn't mean you’ll lose money—but it does require negotiation and a clear understanding of what’s customary. In most cases, these costs can be offset by the sale price or adjusted within the offer terms.
In 2025, FHA and VA buyers make up a growing share of the market—and ignoring them could mean fewer offers. These buyers are motivated, often working with solid lenders, and are looking for homes they can stay in long-term. With the right prep and a strong agent on your side, you can close just as smoothly with an FHA or VA loan as you can with a conventional one.
At Onsite Real Estate Group, we’ve helped countless sellers work with FHA and VA buyers successfully. From understanding the loan terms to preparing for appraisals, we’ll guide you every step of the way—so you never leave money on the table or get caught off guard. Let’s make your sale smooth, informed, and profitable.
