In the wake of a recent $418 million settlement announced by the National Association of Realtors (NAR), the landscape of real estate transactions is undergoing a significant transformation. The traditional real estate commission structure, typically divided between buyer’s and seller’s agents, is poised for a shift. While these changes may bring newfound flexibility for some buyers, they also present unique challenges, particularly for veterans utilizing VA loans. Let’s delve into how these changes could impact VA buyers and explore strategies for navigating this evolving terrain.

Understanding the Changes

Traditionally, real estate commissions have been negotiated between sellers and real estate professionals, with fees typically ranging between 5.5% and 6%. However, the NAR settlement seeks to dismantle this structure, requiring sellers to directly negotiate with real estate professionals, while buyers assume responsibility for their own agent agreements and fees.

Challenges for VA Buyers

For VA buyers, these changes pose distinct challenges. VA loans impose limitations on the fees buyers can pay, including real estate commissions. Consequently, veterans utilizing VA loans may find themselves at a disadvantage if sellers are unwilling to negotiate or cover these fees.

Strategies for VA Buyers

Despite these challenges, there are strategies that VA buyers can employ to navigate the evolving market. One approach is to prioritize homes offering co-op commissions, thus ensuring that commission fees are covered without placing additional financial burden on the buyer. Alternatively, VA buyers can outline their agent’s fees in their offers, providing transparency and clarity during negotiations.

Looking Ahead

As the real estate industry undergoes this period of transition, it’s essential for VA buyers to remain vigilant and informed. While challenges may exist in the short term, there is potential for future rule changes or market adaptations to address these issues. Moreover, it is imperative for real estate professionals to uphold fair treatment for VA buyers and ensure compliance with fair housing laws.


In conclusion, the changes to real estate commission structures spurred by the NAR settlement have significant implications for VA buyers. While navigating these changes may present obstacles, there are strategies and resources available to help veterans effectively navigate the market. By remaining informed, proactive, and vigilant, VA buyers can overcome challenges and achieve their homeownership goals in an evolving real estate landscape.

I invite readers to share their thoughts and experiences regarding these changes in real estate commission structures, particularly as they relate to VA buyers. Your insights and perspectives are invaluable in fostering a deeper understanding of this evolving landscape. Feel free to leave a comment below or reach out with any questions or feedback. Additionally, for those seeking further information on VA loans and real estate transactions, I encourage you to reach out to Creekside Mortgage, Inc.