VA loans give veterans zero down and no PMI. Stack that with VroomBrick's 1% technology fee instead of a 3% buyer's agent commission and the math gets serious.
VA loans are the best financing product in residential real estate, zero down payment, no private mortgage insurance, capped lender fees. Most veterans use one and stop there. The bigger move is stacking those benefits with what you save on the buyer's agent commission when it's time to sell. On a $400,000 home, that stack is worth tens of thousands.
A VA loan, backed by the Department of Veterans Affairs, gives qualifying service members and veterans a financing package no conventional loan matches. The headline benefits:
Run the monthly math. On a $350,000 conventional loan with 5% down, PMI alone runs roughly $175/month. A VA loan eliminates that line item entirely. Over 7 years (the average homeownership tenure), that's nearly $15,000 you don't pay.
The VA loan handles the buy side. But every veteran who buys a home eventually sells one. And the buyer's agent commission, typically 3% of the sale price, is the largest single cost in any home sale.
On a $400,000 home, that 3% is $12,000. Paid out of your equity at closing. After your VA loan helped you build that equity, the traditional commission structure quietly takes a chunk of it back.
Most veterans don't think about the sell side until they're already there. By then, the listing agreement is signed and the 3% is locked in.
VroomBrick is a real estate technology platform built by a Navy veteran. It replaces the 3% buyer's agent commission with a 1% technology fee. The licensed professionals you'd hire anyway are still in the picture:
This isn't FSBO. You're not handling closing paperwork or showing the home alone. It's the same licensed work, without paying the markup that comes from the traditional commission structure.
Here's where the two benefits compound. Take a Norfolk-area veteran buying a $400,000 home with a VA loan, then selling it 7 years later for the same $400,000 (conservative, most homes appreciate).
On the buy side (VA loan benefits over 7 years):
On the sell side (VroomBrick vs. traditional 3% commission):
Stacked total over the homeownership cycle: roughly $47,700.
That's a real number, not a marketing one. It's also conservative, it assumes no appreciation, no PMI rate increases, and a single sale. A veteran who buys, sells, and uses the VA benefit again sees that stack repeat.
Yes. The VA loan is mortgage financing, what you pay for the property. The buyer's agent commission (or VroomBrick's 1% technology fee) is paid by the seller out of sale proceeds at closing. They're separate transactions.
A few specifics worth knowing:
If you're using your VA loan to buy and worried about how the commission structure on the sell side works in 5 or 10 years, that's the right time to plan for it, before you're sitting at the closing table watching $12,000 walk out the door.
If you're a veteran considering a VA-backed purchase or planning to sell a home, the order of operations matters:
The fastest way to know what stacking VA benefits with a 1% technology fee looks like in your market: run your home value through the savings calculator. Takes 30 seconds. Shows the exact dollar difference between a traditional 3% buyer's agent commission and VroomBrick's 1% technology fee.
Keep Your $10,000. We'll Handle the Rest.
About VroomBrick: VroomBrick is a real estate technology platform, not a licensed real estate brokerage. VroomBrick does not provide brokerage services, represent buyers or sellers, or hold real estate licenses. The 1% technology fee covers platform access; closing attorneys, showing agents, and lender partners are independent licensed professionals. Commissions are not set by law and are fully negotiable. Savings examples are illustrative; actual savings vary by transaction.
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