This is the Ramsey Call of the Day, part of the Ramsey Network.

Joining me today is Ramsey personality, Rachel Cruz.

Today's question comes from Jimmy in Kentucky.

My wife and I are on Baby Step 3 and would love to buy a home, but we're nowhere near able

to put down money on a house.

We are concerned that the market will continue to increase before we can get a down payment

saved up.

Can we use my VA loan to take advantage of the zero percent down payment to get into a house

sooner and refinance in three to five years.

Jimmy, I'm going to say no.

I mean, VA loans are just, it's just not, it's not a great option.

I mean, there's so much with the fees, everything that that is in that, it makes it a

difficult, it's a difficult mortgage.

Between FHA, VA, and conventional, it's the most expensive.

Unless you are disabled.

So much.

If you're a fully disabled veteran, then they waive a lot of the fees and stuff.

But it is not a good deal for you.

And basically what you're doing is you're trying to find a way to game the system.

You know, you want to scam the system, and the system isn't broke, and it means delayed pleasure.

And yes, house prices are going to continue to go up.

They're not going to continue to go up like they have been.

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