The VA loan limits have remained at higher levels since 2008, at 150% of the GSE loan limits. But that provision will expire on Dec. 31, 2014, if Congress does not act. The VA Home Loan Guaranty provides veterans and active-duty military personnel with a zero-downpayment home loan. Those loans perform better than any other loan product on the market. Currently, veterans living in high cost areas can use their guaranty to purchase home. But this ability is in jeopardy. The National Association of REALTORS® this week sent a letter to House and Senate Appropriators, urging them to make the loan limits permanent. Veterans should not be penalized based on where they chose to live. NAR is a strong supporter of the VA Home Loan program, and encourages REALTORS® to always ask their buyers if they qualify for a VA Home Loan.