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Chana Grill

Loan Officer
Movement Mortgage
NMLS ID # 1001396
1241 Pacific Blvd SE, Albany, OR 97321
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Understanding the NAR Settlement and Its Impact on VA Borrowers

By: Movement Team
June 12, 2024

What Happened as a Result of the NAR Settlement?

A few months ago, the National Association of Realtors (NAR) agreed to eliminate the requirement for listing agents to offer compensation to buyer agents through the Multiple Listing Service (MLS). This significant change means that buyer agents must now negotiate their fees directly with their clients, rather than relying on the seller's agent to share the commission.

Why Would it Cause Problems for VA Borrowers?

According to Chapter 8 of the VA Pamphlet, "Fees or commissions charged by a real estate agent or broker in connection with a VA loan may not be charged to or paid by the veteran-purchaser." This rule essentially prevents veteran homebuyers from being charged or paying real estate agent fees.

With the new NAR rule making it optional for sellers to contribute to buyer agent fees, some sellers might choose not to offer this compensation. This scenario can leave VA borrowers without proper representation, putting them at a disadvantage in the homebuying process.

How Does the Recent VA Announcement Help?

Recognizing the potential disadvantage for VA borrowers in an already competitive market, the VA announced changes to address these issues on June 11, 2024 effective on August 10, 2024. Subject to VA guidelines, the changes include:
  • Negotiation Flexibility: VA borrowers can now negotiate directly with their agents, as the VA has temporarily suspended the rule that prohibits them from paying a buyer's agent fee.
  • Seller Contributions: Sellers can now contribute to the buyer's agent fee without it being counted toward seller concessions.
These measures aim to level the playing field for potential buyers using VA loans, ensuring they have fair access to representation and opportunities in the housing market. By adapting to these changes, real estate agents can better serve their VA borrower clients and help them navigate the new landscape effectively.
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Author: Movement Team

About Movement Mortgage, LLC (“Movement”)

Movement is not just a mortgage company – they’re an Impact Lender and force for positive change. With more than 4,000 teammates across all 50 states, they reinvest the majority of our profits back into the communities they serve. Movement is the 10th ranked top-producing residential mortgage company in the U.S., funding more than $20 billion in residential mortgages annually. The company has contributed nearly $400 million to the Movement Foundation since 2012, funding the Movement Schools network, affordable housing projects and global outreach efforts. For more information on Movement and Impact Lending, visit .


Chana Grill headshot
Chana Grill
Loan Officer
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1241 Pacific Blvd SE, Albany, OR 97321
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NMLS # 1001396

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