The increase in rates has restored a level of balance back into the real estate market for the traditional VA Loan Veteran or Active Duty borrower. This has been missing for several years as the predominant seller’s market has shunned the request of the VA Borrower for an otherwise customary request for a seller contribution. A seller contribution is often required to make these loans work at 100% LTV due to minimum savings and/or lower credit scores that would require certain lender increases in loan cost to be absorbed by a third party, such as the seller, through a traditionally acceptable seller contribution. This gets drawn into the weeds at times because the analysis is different for each loan scenario based on credit score, home sales price, property county/zip code but at the end of the day, the return to normalcy within the real estate market has clearly restored the flexibility for the VA Loan Borrower. This is available down to a 500 score with the required seller contribution for otherwise eligible VA borrowers. This is a positive development that points toward a healthy market in spite of the increases in rates over the past year.