For those who’ve completed military service—or are actively serving—homeownership may feel like a big step. Fortunately, the U.S. Department of Veterans Affairs (VA) Home Loan Guaranty program makes this dream more attainable by offering unique benefits designed to honor your service.

How the VA Loan Program Works

The process begins by securing financing through a bank, credit union, or mortgage company. The VA then works with your lender to guarantee the loan, reducing the lender’s risk. This guarantee opens the door to more affordable terms that set VA loans apart from conventional financing.

VA Loan Benefits Compared to Conventional Loans

On behalf of NCJAR, we want to extend our heartfelt gratitude to everyone who generously donated and participated in our Summer Backpack & School Supply Drive. Thanks to your kindness, we are able to support local students from Kindergarten through 8th Grade with brand-new backpacks and essential school supplies, helping them start the year with confidence and excitement.

Your contributions—whether a backpack, a notebook, or a pack of pencils—will make a meaningful impact in the lives of children in our communities. With your support, we are proud to partner with the Boys & Girls Club and other local organizations to ensure students are ready to succeed this fall.

How to Win in a Shifting Market

Friday, September 12, 2025 | 9:00 AM – 12:00 PM
The Westin Governor Morris

Are you ready to rise above the noise and lead with confidence in a changing market?

Join us for NCJAR’s 2025 Annual Meeting—an energizing and strategy-packed morning designed to equip you with the tools to thrive in today’s evolving real estate landscape.

With market fluctuations making headlines, many agents are missing the bigger question: How are you adapting to stay competitive—and grow—in 2025 and beyond?