Veterans United Survey Reveals Rising Homebuyer Confidence and AI Adoption — Mortgage Research Center, LLC (Veterans United Home Loans)

Event summary

Veterans United Home Loans' Q2 2026 survey shows 73% of prospective homebuyers plan to purchase within the next year, up from previous quarters.
Financial stress among prospective buyers fell to 26%, with 49% feeling at ease about their finances.
Nearly half (45%) of prospective buyers are now using AI tools to navigate the homebuying process, up from 40% in Q1 2026.
Veterans and service members show stronger financial confidence, with only 19% feeling stressed about finances.
Veterans United closed over $26 billion in loans in fiscal 2025, ranking as the nation's No. 1 VA purchase lender.

The big picture

The survey results indicate a shift in the homebuying landscape, with prospective buyers becoming more optimistic about their financial situation and less inclined to wait for market conditions to improve. This trend is particularly pronounced among veterans and service members, who are showing stronger financial confidence and faster purchase timelines. The increasing adoption of AI tools in the homebuying process suggests a broader industry shift towards digital transformation, which could reshape how buyers navigate the market. Veterans United's leadership position in VA loans, backed by its $26 billion in loans closed in fiscal 2025, positions it well to capitalize on these trends.

What we're watching

Market Timing: Whether the growing sense of readiness among buyers will translate into sustained market activity despite affordability challenges.
AI Integration: The pace at which AI tools will become standard in the homebuying process and how they will evolve to complement human expertise.
Veteran Advantage: How Veterans United can leverage the stronger financial confidence and faster purchase timelines of veterans and service members to maintain its leadership position in VA loans.