Great news for our veterans! Effective January 1, 2020, loan caps on the amount a veteran can finance using a 100% loan to value VA Loan will disappear. In the past, 100% loan to value VA Loan amounts were limited based on area affordability guidelines. Especially in communities like Hawaii, the limitations were unrealistic for those desiring a single family home. Currently, when a veteran wants to take advantage of the VA guaranteed loan for a higher priced property, he or she would have to bring in a 25% down payment on the "jumbo" portion of the loan (the mount exceeding the VA limitations). It is a great program, but this new development will have a tremendous impact on expanding options for our deserving veterans.