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AI's Growing Influence on Homebuying

In 2025, a significant trend is emerging in the realm of home buying as artificial intelligence (AI) becomes an essential tool for many prospective buyers. According to a comprehensive survey conducted by Veterans United Home Loans, the largest VA lender in the United States, approximately 32% of potential homebuyers are now utilizing AI technologies as part of their property search journey. This marks a pivotal moment in how individuals approach one of life's most significant financial decisions.

The Rise of AI in Homebuying

The nationwide survey, encompassing nearly 900 prospective buyers, highlights that searching for homes and conducting virtual tours are the predominant applications of AI among users. The increasing reliance on these technologies illustrates a larger trend where modern home shoppers leverage digital tools to streamline their home-buying experience.

Remarkably, 40% of participants reported interacting with AI on a daily basis. However, this usage brings to light differing attitudes towards AI's role in their everyday lives. The survey found that 31% of respondents expressed more concern than excitement about AI integration, while 29% felt more enthusiastic about these developments. Additionally, 28% stated they had a balanced view, feeling equally excited and concerned about AI's growing presence.

Chris Birk, Vice President of Mortgage Insight at Veterans United, commented, "With digital assistants and smart home devices becoming commonplace, AI tools are evolving into indispensable resources for homebuyers. Yet, it's vital for buyers to find harmony between utilizing AI as a helpful tool while keeping the human element central to the decision-making process."

How Buyers Utilize AI

The survey's findings reveal that nearly 40% of homebuyers are employing AI for both property search and virtual tours. Specifically, the top use of AI—at 38% of respondents—was for locating homes for sale in desired areas. Closely following were virtual home tours, utilized by 37% of AI users.

Moreover, a third of AI users (32%) leverage these tools to estimate monthly mortgage payments or determine property values. Likewise, 31% use AI for affordability checks through mortgage calculators and to gain insights into the latest housing trends. An impressive 29% of respondents utilize AI to filter available homes based on specific criteria, and 28% focus on securing the best mortgage rates through these technologies. Additionally, 27% reported using AI to visualize potential renovations or modifications to prospective homes.

Who is Using AI?

Demographically, the survey indicates that younger buyers are significantly more inclined to engage with AI compared to older generations. This suggests that as Gen Z and millennials enter the homebuying market, AI's role will become increasingly pronounced. Among daily users of AI, 60% belong to Gen Z, while 47% are millennials. Comparatively, 36% of Gen X and only 18% of baby boomers reported similar daily engagement.

This trend towards AI integration in homebuying not only reflects technological advancements but also highlights shifting preferences in how today's consumers approach significant financial decisions. As future homebuyers lean towards innovative solutions in their search for homes, understanding AI's role has never been more crucial.

Conclusion

Veterans United Home Loans, with its deep-seated commitment to aiding veterans and service members in accessing home loan benefits, emphasizes the importance of adapting to modern technologies like AI in the housing market. By utilizing AI, homebuyers can enhance their understanding of the market while optimizing their home search process. This transparency in the housing process represents a monumental shift that could redefine the future of real estate transactions. To learn more about this insightful survey, visit Veterans United.