Heidi discusses VA loans, highlighting their benefits for veterans, including zero down payment, no mortgage insurance, and competitive interest rates.  Myths about VA loans, such as complexity and higher fees for sellers, are debunked. Heidi also explains mortgage insurance for conventional and FHA loans, contrasting it with VA loans. Additionally, she provides tips on setting financial goals for 2025, emphasizing specificity and measurability. The episode concludes with advice on budgeting using the 50/30/20 rule and protecting earnest money deposits through contingencies in purchase agreements.