PCS Home Financing

Your orders changed.Your mortgage strategy might too.

A PCS can change occupancy timing, available VA entitlement, reserves, and whether a prior home stays in the plan.

Check My Options Talk to a Loan Officer

PCS financing isn't one-size-fits-all. We'll help you look at the whole picture.

A military family arriving at their new duty station during a PCS move

New City, Same Mission

Built for Military Families by Veterans

Your Current Home

Keep It, Rent It,or Sell It?

One of the first questions after receiving PCS orders is what happens to the home you're leaving behind. Rather than assuming you need to sell, compare how each option could affect your next purchase.

Sell

Selling your current home may provide equity for your next purchase, eliminate the existing housing payment, and potentially create an opportunity to restore VA entitlement after the existing VA loan is paid off.

Keep or Rent

Keeping your home may allow you to retain the property as an investment, but the existing mortgage, potential rental income, reserves, and remaining VA entitlement may affect qualification for your next home.

The right answer isn't the same for every PCS. We can run the next purchase both ways before you make the decision.

Compare My Options

Your VA Benefit

Already Using Your VA Benefit?You May Still Have Entitlement.

Using your VA benefit once doesn't necessarily mean you have to wait until that loan is paid off before using VA financing again. Depending on your circumstances, you may have remaining entitlement available toward another VA-financed home.

Existing VA Loan

We'll look at how much entitlement is currently tied to your existing VA loan.

Remaining Entitlement

We'll help determine what entitlement may remain available for another purchase.

Restoration

If your previous VA loan is paid off, restoration of entitlement may be an option depending on the circumstances.

Don't assume you have to sell—or that you can buy—until you know where your entitlement stands.

Review My VA Options

VA entitlement and financing eligibility depend on the individual Veteran's circumstances and applicable VA and lender requirements.

PCS Timing

Buy Before You Arrive—or After?

PCS orders don't always line up neatly with a home purchase. You may find a home before your report date, close while you're still at your current duty station, move your family ahead of you, or wait until you've arrived.

Orders

Financing

House Hunt

Contract

Closing

Report

Occupancy

Buying Before You Arrive

Review your expected occupancy and PCS timeline before getting under contract.

Family Moving Ahead

If your family will occupy the home before you arrive, tell your loan officer early so the circumstances can be properly reviewed.

Buying After Arrival

Waiting until you arrive may simplify some logistics, but you can still prepare financing before the move.

Talk Through My Timeline

VA occupancy requirements are situation-specific and should be reviewed based on your circumstances.

The Next Home

What Does the Next PurchaseLook Like?

Once you know what you're doing with your current home, where your VA entitlement stands, and when you're moving, the next question is straightforward: what can the new mortgage look like?

Military Income

Review eligible base pay, BAH, BAS, and other applicable military income.

Existing Housing Payment

Determine how your current mortgage may affect qualification if the property isn't sold.

Potential Rental Income

If you're converting your current residence to a rental, determine whether and how qualifying rental income may be considered.

Cash & Reserves

Review available funds and any reserve requirements applicable to your loan scenario.

Check My Options

PCS Home Loan FAQ